206 flood insurance claims·$6.5M 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 Tom Green 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 thunderstorms dominates the flood risk profile in Tom Green County. Over the last 30 years, the NOAA Storm Events Database recorded 138 flash flood events, resulting in 1 death, alongside 20 general flood events and 1 tropical depression. Historic flash flooding occurred in northern and northeast San Angelo on July 4, 2025, driven by abundant tropical moisture from the remnants of Tropical Storm Barry and a weak upper-level storm system that produced 10 to 16 inches of rain, numerous water rescues, and flooded streets and houses. Severe thunderstorms on April 19, 2025, caused by a stationary front, surface dryline, and upper-level low-pressure system, also brought severe weather and redeveloping thunderstorms to the Concho Valley.
National Flood Insurance Program claims data demonstrates risk across multiple zones. Zone A properties experienced 118 claims with an average payout of $57,191 and an average recorded water depth of 19 inches. Zone X properties recorded 57 claims with an average payout of $30,260 and an average water depth of 20 inches. Additionally, Zone X_UNSHADED recorded 17 claims averaging a $1,354 payout and 1 inch of water depth, Zone X_SHADED recorded 8 claims averaging $0 and 2 inches of water depth, and Zone UNKNOWN recorded 6 claims averaging a $15,207 payout and 2 inches of water depth. Homeowners and real estate agents in high-risk designated areas, as well as those outside standard high-risk zones, should pay close attention to these patterns given the severe historical impacts of flash flooding.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
17% of Tom Green County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
143 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 18 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 2025, with 66 claims and $4.9M paid, the year of Severe Storms, Straight-line Winds, and Flooding.
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.
52 NOAA storm reports from Tom Green County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
21 federal disaster declarations since 1990, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Jul 2, 2025 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildcat Fire | Apr 11, 2011 |
| Wildfires | Apr 6, 2011 |
| Hurricane Ike | Sep 7, 2008 |
| Hurricane Gustav | Aug 27, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
159 since 1996: 138 flash floods and 20 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | May 29, 2025 | — |
| Flood | Apr 19, 2025 | — |
| Flash Flood | May 6, 2025 | — |
| Flash Flood | Jul 4, 2025 | — · 1 killed |
| Flash Flood | Jun 3, 2025 | — |
| Flash Flood | Aug 31, 2024 | — |
| Flash Flood | May 23, 2024 | — |
| Flood | Nov 8, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · May 29, 2025. The combination of an upper level area of low pressure and a stationary frontal boundary in the area, resulted in many rounds of strong to severe thunderstorms across west central Texas during late May. In addition, strong to locally extreme surface instability along with strong vertical wind shear assisted with the development of severe thunderstorms. A few of the severe storms produced very large to giant size…
Flood · Apr 19, 2025. The combination of a stationary front, surface dryline and an upper level low pressure system to the west resulted in many severe thunderstorms developing on the afternoon and evening along the stationary front on April 19th. Also, moderate to strong instability and strong vertical wind shear helped with the severe storm development. The severe storms produced very large hail and damaging winds and a few tornadoes…
Flash Flood · May 6, 2025. A few severe thunderstorms produced large hail in portions of the Concho Valley and northern Edwards Plateau as well as flash flooding in the city of San Angelo.
Flash Flood · Jul 4, 2025. Devastating and historic flash flooding occurred in northern and northeast portions of San Angelo, with numerous water rescues, many streets and houses completely flooded, and 1 fatality. 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 rainfa…
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 Tom Green 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.