Enter any address in Llano County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Llano County. Between 1996 and 2016, NOAA data recorded 82 flash flood events and 13 flood events, resulting in 4 fatalities. For example, on July 4, 2025, heavy rainfall associated with the remnants of Tropical Storm Barry led to significant flash flooding in the Texas Hill Country.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A experienced 468 claims with an average payout of $31,513 and an average water depth of 1.9 feet. Zone X, typically considered moderate to low risk, had 90 claims with an average payout of $15,978 and a higher average water depth of 2.8 feet. Homeowners in Zone A, as well as those in Zone X, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
24 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Llano County, Texas has recorded 95 flood-related events since 1996 according to NOAA's Storm Events Database, including 82 flash floods and 13 river or area floods. The county has received 17 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1991–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Flood | Jul 2, 2025 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | Sep 10, 2018 |
| Wildfires | Fire | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 16, 2007 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jun 11, 2025 | 0.00K |
| Flash Flood | Jul 4, 2025 | 0.00K |
| Flash Flood | Sep 3, 2024 | 0.00K |
| Flood | Oct 26, 2023 | 0.00K |
| Flash Flood | Oct 16, 2018 | 20.00M |
| Flash Flood | Oct 16, 2018 | 0.00K |
| Flood | Oct 16, 2018 | 50.00M |
| Flash Flood | Oct 16, 2018 | 1.00M (1 deaths) |
| Flash Flood | Oct 15, 2018 | 0.00K |
Flash Flood — Jul 14, 2025
A mesoscale convective vortex developed along the Rio Grande and moved northeastward across South-Central Texas. Thunderstorms from this complex produced locally heavy rain that led to flash flooding.
Flash Flood — Jun 11, 2025
A mid-level shortwave trough moved over Texas and combined with an abnormally moist airmass to generate thunderstorms. These storms were very efficient rain producers dropping locally heavy rain that led to flash flooding. There were also a few severe thunderstorms.
Flash Flood — Jul 4, 2025
Tropical Storm Barry moved into and dissipated over eastern Mexico. Moist air from the remnants of Barry moved northward into Texas. Precipitable water values over South-Central Texas increased to near record levels. A mid-level anticyclonic circulation developed and moved over Central Texas providing lift to generate thunderstorms. During the overnight period of July 3-4, a low-level jet strea...
Flash Flood — Sep 3, 2024
Convection formed in the vicinity of a stationary front over South-Central Texas. Thunderstorms developed in an anomalously moist airmass with weak steering flow. This led to slow moving, heavy rain producing cells and flash flooding.
Flood — Oct 26, 2023
Thunderstorms developed along an outflow boundary in a very moist airmass. Storms were fed by strong low level winds. In addition to aiding buoyancy, these winds also contributed to significant low level wind shear. Some storms produced weak tornadoes and locally heavy rain that led to flash flooding.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Llano County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Llano County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.