Flood Claims Map

Texas

Flood insurance claims in Kerr County, Texas

FEMA records 373 National Flood Insurance Program claims in Kerr County, Texas, since 1978, with $21.7 million paid in total. The year with the most claims was 2025, with 125. As of 3 August 2026, 2.4% of homes here had an NFIP policy, and 32.6% of homes in the high-risk flood zone did.

NFIP claims on record373
Total paid$21.7 million
Claims with a payment284
Homes with NFIP policy2.4%
High-risk zone homes insured32.6%
Residential policies in force520

Claims by year of loss

1978: 1519781979: 21980: 11981: 21982: 019821983: 01984: 11985: 51986: 119861987: 181988: 11989: 01990: 019901991: 11992: 21993: 11994: 119941995: 01996: 41997: 11998: 119981999: 02000: 182001: 22002: 5820022003: 12004: 42005: 12006: 120062007: 122008: 12009: 02010: 020102011: 02012: 32013: 02014: 220142015: 32016: 92017: 12018: 220182019: 22020: 42021: 02022: 020222023: 02024: 42025: 1252026: 632026125

NFIP claims by year of loss, Kerr County, Texas

1978: $49,84519781979: $11,2241980: $01981: $1,3271982: $019821983: $01984: $01985: $25,3021986: $17,94419861987: $259,1021988: $5,9421989: $01990: $019901991: $2201992: $1151993: $1,1651994: $10119941995: $01996: $84,7891997: $01998: $019981999: $02000: $204,0162001: $6,6062002: $784,10820022003: $02004: $5,4012005: $16,2852006: $020062007: $133,8102008: $02009: $02010: $020102011: $02012: $30,6152013: $02014: $4,05220142015: $7,9422016: $131,6012017: $02018: $2,38020182019: $9,9162020: $23,5262021: $02022: $020222023: $02024: $201,3392025: $17.6 million2026: $2.1 million2026$17.6 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Kerr County, Texas

Named flood events with the most claims

Event (FEMA name)Claims
2025 July Central TX Flooding125
2026-07-Texas-Flooding63
Torrential rain58
Early summer severe storms7
Flooding2
Tropical Storm Claudette2
Fall 2018 Texas Flooding2
Hurricane Danielle1

ZIP codes with the most claims

ZIP code (as reported)Claims
78028168
7802482
7802551
7801051
780139
780294
780581
784121
780231

239 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $18.5 million, contents $3.3 million, increased cost of compliance $20,306.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,17238232.6%
All homes21,3495202.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.