162 flood insurance claims·$5.6M paid·2 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 Maverick 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 heavy rainfall dominates Maverick County's flood risk profile, accounting for 56 recorded events and three deaths over the last 30 years alongside four general flood events. Recent activity includes flash flooding driven by heavy rain from thunderstorms on July 14, 2025, when a mesoscale convective vortex developed along the Rio Grande, and similar heavy rain events tied to a stationary front on May 8, 2025.
National Flood Insurance Program records show claims across multiple zones, with the highest concentration in Zone A at 95 claims averaging a payout of $36,961 and an average recorded water depth of 7 inches. Zone X accounts for 44 claims with an average payout of $52,514 and an average water depth of 4 inches. Unshaded Zone X properties recorded 10 claims averaging $40,561 with an average water depth of 6 inches, while shaded Zone X properties recorded 9 claims averaging $11,125 with an average water depth of 1 inch. Four claims with unknown zones averaged $18,331 with an average water depth of 71 inches.
Homeowners, real estate agents, and journalists should pay the most attention to properties in Zone A, which received the vast majority of claims, as well as properties located near the Rio Grande and areas susceptible to rapid flash flooding from localized thunderstorms.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
17% of Maverick County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
114 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 7 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 2013, with 47 claims and $1.9M paid.
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.
5 NOAA storm reports from Maverick County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
14 federal disaster declarations since 1989, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Hurricane Alex | Jun 30, 2010 |
| Wildfires | Mar 14, 2008 |
| Severe Storms And Tornadoes | Apr 21, 2007 |
| Extreme Wildfire Threat | Nov 27, 2005 |
| Hurricane Rita | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
60 since 1996: 56 flash floods and 4 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | — |
| Flash Flood | May 8, 2025 | — · 1 killed |
| Flash Flood | Sep 7, 2025 | — |
| Flash Flood | Aug 30, 2022 | — |
| Flash Flood | Jun 1, 2021 | $5,000 |
| Flood | Sep 27, 2017 | — |
| Flash Flood | Aug 20, 2016 | — |
| Flash Flood | Nov 4, 2016 | — |
— = 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 · May 8, 2025. Thunderstorms developed along a stationary front across South-Central Texas. Some of these storms produced damaging wind gusts and heavy rain that led to flash flooding.
Flash Flood · Sep 7, 2025. Isentropic lift over a relatively cool airmass produced showers and thunderstorms that eventually produced excessive rainfall and isolated flash flooding.
Flash Flood · Aug 30, 2022. A mid to upper level low moved over a warm, moist airmass in South Central Texas and generated slow moving thunderstorms. Some of these storms produced heavy rain that led to 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 Maverick 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.