Enter any address in McLennan County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in McLennan County. Between 1993 and 2023, NOAA Storm Events data recorded 105 flash flood events, resulting in 4 fatalities, alongside 10 general flood events. Recent examples include flash flooding on July 7, 2025, caused by slow-moving thunderstorms, and flash flooding on June 12, 2025, due to heavy rain and training storms.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, which have no base flood elevation (BFE) defined, experienced 136 claims with an average payout of $13,545 and an average water depth of 5.4 feet. Properties in Zone X_UNSHADED also saw significant claims, with 53 claims averaging $16,262 and an average water depth of 8.2 feet. Homeowners in these zones, as well as those in Zone X and Zone X_SHADED, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
40 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
McLennan County, Texas has recorded 115 flood-related events since 1996 according to NOAA's Storm Events Database, including 105 flash floods and 10 river or area floods. The county has received 25 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Explosion | Other | Apr 17, 2013 |
| Hurricane Ike | Hurricane | Sep 7, 2008 |
| Wildfires | Fire | Mar 14, 2008 |
| Hurricane Dean | Hurricane | Aug 17, 2007 |
| 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 | Jun 12, 2025 | 5.00K |
| Flash Flood | Jun 12, 2025 | 2.00K |
| Flash Flood | Jun 12, 2025 | 1.00K |
| Flash Flood | Jun 11, 2025 | 1.00K |
| Flash Flood | Jul 7, 2025 | 10.00K |
| Flash Flood | May 6, 2025 | 0.00K |
| Flash Flood | May 31, 2024 | 0.00K |
| Flash Flood | May 22, 2024 | 0.00K |
| Flash Flood | May 22, 2024 | 25.00K |
Flash Flood — Jul 13, 2025
Several rounds of showers and thunderstorms occurred the weekend of July 12, influenced by remnant outflow boundaries, a stalled front, and a slow-moving upper low. A mesoscale convective vortex (MCV) further enhanced precipitation totals and rain rates, resulting in flash flooding primarily across Central Texas.
Flash Flood — Jun 12, 2025
An upper level low and remnant MCVs produced several rounds of heavy rain and training storms that produced flash flooding for a few day across the region, mainly across Central Texas.
Flash Flood — Jun 11, 2025
An upper level low and remnant MCVs produced several rounds of heavy rain and training storms that produced flash flooding for a few day across the region, mainly across Central Texas.
Flash Flood — Jul 7, 2025
From the July 4th weekend into the early part of the following week, a weak upper trough lingered over North and Central Texas, triggering several days of scattered showers and thunderstorms. A saturated atmosphere combined with slow storm motions resulted in numerous flash flooding events throughout the region, particularly in Central Texas.
Flash Flood — May 6, 2025
A sharp upper trough and a meandering surface front generated two rounds of thunderstorms across the region, one round on May 5 and the other on May 6. Most of the severe weather took place on the 6th, when large hail, damaging winds, and a few tornadoes occurred. A total of 5 tornadoes were surveyed in the far southeast parts of the County Warning Area: two EF-0s and three EF-1s. The strongest...
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 McLennan 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 McLennan 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.