693 flood insurance claims·$19.9M paid·5 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 Llano 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 frequent heavy precipitation events dominates the flood character of Llano County. Over the last 30 years, NOAA records show 82 flash flood events resulting in 2 deaths, alongside 13 general flood events causing 2 additional deaths.
Severe flooding is frequently driven by tropical systems and atmospheric moisture. For example, a major flash flood event occurred in July 2025 when the remnants of Tropical Storm Barry interacted with high precipitable water values and a low-level jet streak, causing training thunderstorms over the Texas Hill Country.
Homeowners and real estate agents should pay the closest attention to properties located in FEMA Flood Zone A, which accounts for the vast majority of historical risk in the county with 578 NFIP claims averaging $44,961 per payout and an average recorded water depth of 5 inches. Properties in Zone X also warrant attention, having logged 103 claims with an average payout of $24,910 and a higher average recorded water depth of 10 inches.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
Less than 1% of Llano County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
578 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 5 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 2018, with 388 claims and $16.3M paid, the year of Severe Storms 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.
24 NOAA storm reports from Llano County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
17 federal disaster declarations since 1991, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Jul 2, 2025 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Wildfires | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Jun 16, 2007 |
| Extreme Wildfire Threat | Nov 27, 2005 |
| Hurricane Rita | Sep 23, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
95 since 1996: 82 flash floods and 13 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | — |
| Flash Flood | Jun 11, 2025 | — |
| Flash Flood | Jul 4, 2025 | — |
| Flash Flood | Sep 3, 2024 | — |
| Flood | Oct 26, 2023 | — |
| Flash Flood | Oct 16, 2018 | $20.0M |
| Flash Flood | Oct 16, 2018 | — |
| Flood | Oct 16, 2018 | $50.0M |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 streak set up over South…
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.
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 Llano 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.