1 flood insurance claims·$18,990 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 McCulloch 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 intense storms dominates the flood risk profile of McCulloch County, supported by 46 recorded flash flood events compared to 3 general floods and 1 tropical depression over the last 30 years.
Heavy rainfall events driven by remnant tropical moisture and slow-moving thunderstorms have produced significant localized damage. For example, historic flash flooding on July 4th brought heavy rainfall totals ranging from 10 to 16 inches, with localized amounts near 25 inches that damaged numerous roads and houses. Additional flash flooding occurred on July 7th as a result of remnant tropical moisture combined with an upper-level area of low pressure.
Historical National Flood Insurance Program records indicate claim activity in Zone X, which logged 1 claim with an average payout of $18,990 and an average recorded water depth of 0 inches. Homeowners and real estate agents should note that properties outside mapped high-risk areas still experience flash flooding and related damages during severe storm events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
12 NOAA storm reports from McCulloch County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
19 federal disaster declarations since 1989, 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 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Wildfires | Aug 30, 2011 |
| Wildfires | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Jun 16, 2007 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
50 since 1996: 46 flash floods and 3 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 13, 2025 | — |
| Flash Flood | Jul 9, 2025 | — |
| Flash Flood | Jul 7, 2025 | — |
| Flash Flood | Jun 4, 2025 | — |
| Flash Flood | Jul 4, 2025 | — |
| Flash Flood | May 8, 2019 | — |
| Flash Flood | Oct 13, 2018 | — |
| Flood | Oct 9, 2018 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 13, 2025. The combination of deep tropical moisture and a weak upper level area of low pressure produced heavy rainfall and flash flooding across portions of the Northwest Hill Country and Heartland.
Flash Flood · Jul 9, 2025. Remnant tropical moisture along with an upper level area of low pressure resulted in showers and thunderstorms across portions of the northwest Hill Country, which produced flash flooding on July 7th. Isolated strong to severe thunderstorms developed across portions of the Concho Valley and Big Country on July 8th and July 9th, producing severe wind gusts.
Flash Flood · Jul 7, 2025. Remnant tropical moisture along with an upper level area of low pressure resulted in showers and thunderstorms across portions of the northwest Hill Country, which produced flash flooding on July 7th. Isolated strong to severe thunderstorms developed across portions of the Concho Valley and Big Country on July 8th and July 9th, producing severe wind gusts.
Flash Flood · Jun 4, 2025. Severe thunderstorms and heavy rainfall affected areas from Shackelford County, south into Brown, McCulloch, Menard, and San Saba counties. Also, localized flash flooding was reported.
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 McCulloch 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.