Enter any address in McCulloch County, Texas to see its FEMA flood zone
Flash flooding from slow-moving thunderstorms dominates McCulloch County's flood events. Over the past 30 years, the NOAA Storm Events Database recorded 46 flash flood events, compared to 3 general flood events and 1 tropical depression.
Recent events illustrate this pattern. On July 4th, devastating and historic flash flooding occurred in northern and northeast portions of the Northwest Hill Country, damaging roads and houses. This was attributed to heavy rainfall from tropical moisture. Similar flash flooding occurred on July 7th and 9th due to remnant tropical moisture and an upper-level low-pressure system.
While most flood insurance claims in McCulloch County have been in Zone X, with an average payout of $18,990 for 0.0 ft of water depth, homeowners in areas prone to flash flooding should remain vigilant. Properties located in or near areas that have experienced flash flooding, particularly those without a documented Base Flood Elevation (BFE), should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
12 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
McCulloch County, Texas has recorded 50 flood-related events since 1996 according to NOAA's Storm Events Database, including 46 flash floods and 3 river or area floods. The county has received 19 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1989–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Flood | Jul 2, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| 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 | Aug 30, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 16, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 13, 2025 | 0.00K |
| Flash Flood | Jul 9, 2025 | 0.00K |
| Flash Flood | Jul 7, 2025 | 0.00K |
| Flash Flood | Jun 4, 2025 | 0.00K |
| Flash Flood | Jul 4, 2025 | 0.00K |
| Flash Flood | May 8, 2019 | 0.00K |
| Flash Flood | Oct 13, 2018 | 0.00K |
| Flood | Oct 9, 2018 | 0.00K |
| Flash Flood | Jul 8, 2015 | 0.00K |
| Flash Flood | Apr 1, 2015 | 0.00K |
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.
Flash Flood — Jul 4, 2025
Devastating and historic flash flooding occurred in northern and northeast portions of the Northwest Hill Country on July 4th with damage to many roads and houses. The combination of abundant tropical moisture associated with the remnants of Tropical Storm Barry and a weak upper level storm system, led to very slow moving or stationary thunderstorms producing very heavy and efficient rainfall. ...
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 McCulloch 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 McCulloch 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.