Enter any address in Val Verde County, Texas to see its FEMA flood zone
Flash flooding from slow-moving thunderstorms is the dominant flood character in Val Verde County. Between 2000 and 2023, NOAA Storm Events data recorded 129 flash flood events, resulting in 9 fatalities, alongside 21 general flood events and one tropical storm. Recent examples include flash flooding from slow-moving, heavy rain-producing thunderstorms on August 1, 2025, and September 3, 2024.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experienced the highest average payouts and water depths, with 50 claims averaging $25,728 and 2.8 feet of water. Zone X also saw a significant number of claims, with 66 averaging $23,414 and 1.1 feet of water. Homeowners in areas designated as Zone A, and those in Zone X, should pay particular 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.
Val Verde County, Texas has recorded 151 flood-related events since 1996 according to NOAA's Storm Events Database, including 129 flash floods and 21 river or area floods. The county has received 15 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1993–2021)
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 And Flooding | Flood | Sep 10, 2018 |
| Wildfires | Fire | Apr 6, 2011 |
| Hurricane Alex | Hurricane | Jun 30, 2010 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 1, 2025 | 0.00K |
| Flash Flood | Sep 3, 2024 | 0.00K |
| Flash Flood | Oct 25, 2023 | 0.00K |
| Flash Flood | Aug 30, 2022 | 0.00K |
| Flash Flood | Aug 22, 2022 | 0.00K |
| Flash Flood | Aug 17, 2021 | 0.00K |
| Flood | May 25, 2020 | 0.00K |
| Flash Flood | Jun 4, 2019 | 0.00K |
| Flash Flood | Aug 11, 2018 | 0.00K |
| Flash Flood | Apr 2, 2017 | 0.00K |
Flash Flood — Aug 1, 2025
A line of thunderstorms developed along a cold front in Central Texas and moved southward into South-Central Texas. Slow moving storms led to locally heavy rain that resulted in isolated flash flooding. One storm produced damaging wind gusts.
Flash Flood — Sep 3, 2024
Convection formed in the vicinity of a stationary front over South-Central Texas. Thunderstorms developed in an anomalously moist airmass with weak steering flow. This led to slow moving, heavy rain producing cells and flash flooding.
Flash Flood — Oct 25, 2023
Thunderstorms developed along an outflow boundary in a very moist airmass. Storms were fed by strong low level winds. In addition to aiding buoyancy, these winds also contributed to significant low level wind shear. Some storms produced weak tornadoes and locally heavy rain that led to flash flooding.
Flash Flood — Aug 30, 2022
A mid to upper level low moved over a warm, moist airmass in South Central Texas and generated slow moving thunderstorms. Some of these storms produced heavy rain that led to flash flooding.
Flash Flood — Aug 22, 2022
A cold front moved into a warm, moist airmass and generated thunderstorms. Some of these storms produced heavy rain that led to flash flooding.
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 Val Verde 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 Val Verde 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.