53 flood insurance claims·$1.5M 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 Robertson 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 severe thunderstorms and heavy rain events dominates the flood profile of Robertson County. According to NOAA Storm Events Database records from the last 30 years, the county experienced 36 flash flood events, alongside 3 general flood events and 1 tropical storm. Recent documented events include severe storms on May 6, 2025, driven by an upper trough and surface front, and multiple rounds of heavy rain and training storms producing flash flooding from an upper-level low on June 12, 2025.
Federal insurance data indicates that flood risk extends beyond high-risk areas, though claims are concentrated in designated zones. Properties in Zone A have recorded 43 historical National Flood Insurance Program claims with an average payout of $37,769 and an average recorded water depth of 6 inches. Additionally, Zone X properties have accounted for 8 claims with an average payout of $27,126 and an average recorded water depth of 1 inch.
Homeowners, real estate agents, and journalists working with properties in high-risk Zone A should pay the closest attention to these flood hazards, given the frequency of flash flooding and the higher average payout and water depth associated with that zone.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
2% of Robertson County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
44 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 2004, with 43 claims and $1.4M 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 Robertson County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
18 federal disaster declarations since 1991, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Beryl | Jul 5, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Jan 30, 2023 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Hurricane Ike | Sep 7, 2008 |
| Wildfires | Mar 14, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
40 since 1996: 36 flash floods and 3 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 12, 2025 | $1,000 |
| Flash Flood | Jun 12, 2025 | $2,000 |
| Flash Flood | Jun 12, 2025 | $20,000 |
| Flash Flood | May 6, 2025 | — |
| Flood | May 26, 2016 | — |
| Flash Flood | May 26, 2016 | $15,000 |
| Flash Flood | May 25, 2015 | — |
| Flash Flood | Jun 9, 2010 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 · 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 tornado had winds u…
Flood · May 26, 2016. A series of upper level disturbances produced multiple rounds of showers and thunderstorms across the region. A few storms became severe with large hail and damaging wind gusts, but storms training repeatedly over the same areas led to this being mostly a flood and flash flood event.
Flash Flood · May 26, 2016. A series of upper level disturbances produced multiple rounds of showers and thunderstorms across the region. A few storms became severe with large hail and damaging wind gusts, but storms training repeatedly over the same areas led to this being mostly a flood and flash flood event.
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 Robertson 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.