Flood Claims Map

Texas

Flood insurance claims in Llano County, Texas

FEMA records 693 National Flood Insurance Program claims in Llano County, Texas, since 1979, with $20.0 million paid in total. The year with the most claims was 2018, with 388. As of 3 August 2026, 7.1% of homes here had an NFIP policy, and 55.6% of homes in the high-risk flood zone did.

NFIP claims on record693
Total paid$20.0 million
Claims with a payment480
Homes with NFIP policy7.1%
High-risk zone homes insured55.6%
Residential policies in force1,038

Claims by year of loss

1979: 219791980: 31981: 11982: 01983: 319831984: 01985: 01986: 01987: 019871988: 01989: 11990: 11991: 519911992: 01993: 11994: 21995: 2519951996: 41997: 921998: 11999: 519992000: 212001: 152002: 72003: 020032004: 32005: 02006: 12007: 5120072008: 22009: 162010: 02011: 120112012: 12013: 32014: 32015: 320152016: 22017: 22018: 3882019: 220192020: 02021: 32022: 12023: 020232024: 42025: 172026: 1388

NFIP claims by year of loss, Llano County, Texas

1979: $8,93319791980: $2,9021981: $3,9891982: $01983: $1,50619831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $1,56119911992: $01993: $2,3571994: $1,6721995: $241,70919951996: $8,7871997: $1.2 million1998: $01999: $4,61919992000: $193,3792001: $14,4662002: $4,0132003: $020032004: $42,3022005: $02006: $02007: $785,87220072008: $02009: $233,4322010: $02011: $3,24820112012: $1,5502013: $02014: $23,6172015: $31,85520152016: $106,5712017: $3,8782018: $16.4 million2019: $11,85720192020: $02021: $11,0902022: $60,5902023: $020232024: $235,3532025: $344,4672026: $9,031$16.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Fall 2018 Texas Flooding355
Flooding95
Thunderstorms33
2025 July Central TX Flooding14
Torrential rain7
Early summer storms3
Early summer severe storms1
Hurricane Danielle1

ZIP codes with the most claims

ZIP code (as reported)Claims
78639344
78657169
78643143
7860912
7865410
786115
786723
787461
768311
786601

578 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $17.9 million, contents $2.0 million, increased cost of compliance $119,500.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,47081755.6%
All homes14,5731,0387.1%

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.