43 flood insurance claims·$754,964 paid·4 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Lampasas County, Texas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from severe thunderstorms dominates the flood history of Lampasas County. Over the last 30 years, the NOAA Storm Events Database recorded 34 flash flood events compared to 3 general flood events. Recent activity includes multiple flash flood events in May and July 2025, driven by upper-level disturbances, saturated atmospheres, stalled fronts, and slow-moving storms that produced high rainfall rates across Central Texas.
National Flood Insurance Program records indicate that flood risks extend beyond high-risk areas. Zone A properties experienced 21 claims with an average payout of $35,462 and an average recorded water depth of 26 inches. Meanwhile, properties in Zone X accrued 15 claims with an average payout of $19,282 and an average recorded water depth of 22 inches, unshaded Zone X areas recorded 6 claims with an average payout of $6,796 and an average water depth of 21 inches, and shaded Zone X registered 1 claim with an average payout of $3,029 and an average water depth of 0 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within designated Zone A, as well as structures in Zone X areas where historical claims demonstrate that significant localized water depths and property damage still occur outside of primary flood zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
25% of Lampasas County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
28 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 23 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2025, with 15 claims and $460,760 paid, the year of Severe Storms, Straight-line Winds, and Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
11 NOAA storm reports from Lampasas County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
19 federal disaster declarations since 1991, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Jul 2, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Wildfires | Apr 6, 2011 |
| Wildfires | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Jun 16, 2007 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
37 since 1996: 34 flash floods and 3 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 13, 2025 | — |
| Flash Flood | Jul 13, 2025 | $20,000 |
| Flash Flood | Jul 7, 2025 | — |
| Flash Flood | May 1, 2025 | — |
| Flash Flood | May 22, 2024 | — |
| Flash Flood | Sep 4, 2020 | — |
| Flash Flood | Sep 3, 2020 | — |
| Flood | Apr 29, 2016 | $300,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 13, 2025. Several rounds of showers and thunderstorms occurred the weekend of July 12, influenced by remnant outflow boundaries, a stalled front, and a slow-moving upper low. A mesoscale convective vortex (MCV) further enhanced precipitation totals and rain rates, resulting in flash flooding primarily across Central Texas.
Flash Flood · Jul 7, 2025. From the July 4th weekend into the early part of the following week, a weak upper trough lingered over North and Central Texas, triggering several days of scattered showers and thunderstorms. A saturated atmosphere combined with slow storm motions resulted in numerous flash flooding events throughout the region, particularly in Central Texas.
Flash Flood · May 1, 2025. An upper level disturbance dropping southeast through the Plains led to thunderstorm development on May 1st and 2nd across much of North and Central Texas. Storm initiation occurred in the vicinity of remnant outflow boundaries left over from the previous nights' convection. Some severe thunderstorms occurred, mainly in Central Texas, with large hail the primary severe weather occurrence.
Flash Flood · May 22, 2024. Isolated thunderstorms associated with the dryline occurred on May 21. Much more widespread thunderstorm activity took place on May 22 as a cold front sagged south into the area and a strong jet stream developed aloft. Large hail, damaging winds, and flash flooding affected several locations on the 22nd. An EF2 tornado occurred in the Temple area of Central Texas, causing significant damage and injuring dozens of…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Lampasas County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.