Water damage in Kerr County
Not affiliated with Kerr County, any city government, FEMA, TDI, or any government agency.
Leave and call for emergency help FIRST if any of these:
- Ceiling sagging or bulging, or any structural movement → get out from under it; leave if spreading
- Gas odor → leave now, call your gas utility from outside
- Sparking, energized water, or a wet breaker panel → do not touch; call the electric utility or 911
- Large-scale sewage flooding → keep everyone (especially kids, pets, and medically vulnerable people) away from the water; call emergency services for any immediate medical or life-safety risk — otherwise isolate the area and use the sewer branch below
Safety information only: Conditions vary. This guidance is not a substitute for instructions from 911, utilities, public-health officials, licensed professionals, your insurer, or your policy. If anyone may be in danger, leave the area and call 911. Do not take any step you cannot perform safely.
What this means in Kerr County
Between 2020 and 2024, 4 flood-insurance claims in Kerr County recorded a building payment. That works out to 0.2 claims per 1,000 homes over those years — 87th highest of 254 Texas counties. About 18 of every 1,000 homes here carry a flood-insurance policy — 49th highest of 254 Texas counties. Flash-flood records in Kerr County cluster in July, which is when local drainage and gutters are worth checking.
What's the source? Tap one — the right help depends on it.
sources & methodology · how this site works
You are not alone. First make the area safe. Then stop the source if you can do so without entering water or touching wet electrical equipment.
Local data through: NFIP claims 2026-05 · NOAA 2026-03 · FEMA declarations 2026-07
Kerr County flood context
Four separately-sourced, area-level indicators — not a combined score, not a property-specific risk estimate, and NOT a measure of pipe/appliance/roof losses (no public dataset measures those directly).
Recent water-related disaster declarations — Kerr County
FEMA disaster and emergency declarations whose incident type is explicitly mapped to residential water damage — including flood, tropical, severe-storm and freeze incidents — naming this county, most recent first. Major disaster (DR) and emergency (EM) declarations are labelled distinctly; all are historical records.
- FEMA EM-3649 (emergency declaration) — Flood, declared 2026-07-18. Incident began Jul 12, 2026. Individual/Household Assistance not approved for this county. FEMA disaster record
- FEMA DR-4879 (major disaster declaration) — Flood, declared 2025-07-06. Incident Jul 2, 2025 to Jul 18, 2025. Individual/Household Assistance approved for this county. Last assistance filing date Sep 28, 2025 — historical, not currently open for applications. FEMA disaster record
- FEMA DR-4705 (major disaster declaration) — Winter Storm, declared 2023-04-21. Incident Jan 30, 2023 to Feb 2, 2023. Individual/Household Assistance not approved for this county. FEMA disaster record
- FEMA DR-4586 (major disaster declaration) — Severe Ice Storm, declared 2021-02-19. Incident Feb 11, 2021 to Feb 21, 2021. Individual/Household Assistance approved for this county. Last assistance filing date May 20, 2021 — historical, not currently open for applications. FEMA disaster record
- FEMA EM-3554 (emergency declaration) — Severe Ice Storm, declared 2021-02-14. Incident Feb 11, 2021 to Feb 21, 2021. Individual/Household Assistance not approved for this county. FEMA disaster record
When flash floods happen in Kerr County
Recorded flash-flood reports in Kerr County cluster in July (NOAA Storm Events, 14 event records by begin month since 2020).
Water utilities serving Kerr County
Largest active community water systems by population served. Your utility's emergency line is printed on your water bill — for supply leaks and meter emergencies, that number beats any directory.
- CITY OF KERRVILLE — about 23,489 people served · EPA-registered contact: 830-258-1110 (verified 2026Q3)
- INGRAM WATER SUPPLY — about 5,955 people served · EPA-registered contact: 512-990-4400 (verified 2026Q3)
- LOMA VISTA WATER SYSTEM — about 3,720 people served · EPA-registered contact: 512-990-4400 (verified 2026Q3)
- FOUR SEASONS — about 1,059 people served · EPA-registered contact: 512-990-4400 (verified 2026Q3)
- SOUTHERN HILLS — about 1,005 people served · EPA-registered contact: 737-376-2534 (verified 2026Q3)
How population served is sourced (EPA SDWIS)
Source: EPA Safe Drinking Water Information System (SDWIS), a federal database of public water systems, refreshed quarterly. County emergency management: Texas counties must maintain or participate in an emergency-management program; use the TDEM regional directory for state field contacts and verify the appropriate local contact.
Flood-insurance claims with building payments, by year of loss — Kerr County
Claims with a recorded building payment > $0 (count), by year of loss · complete loss-years plus current-year to date · all values in the table below
| Year | Claims (count) | Median recorded building payment (nominal $) |
|---|---|---|
| 2020 | 2 | — |
| 2021 | 0 | — |
| 2022 | 0 | — |
| 2023 | 0 | — |
| 2024 | 2 | — |
| 2025 (provisional) | 104 | $133,500 |
| 2026 YTD (May) | 0 | — |
Claims for 2025 are still being filed and paid, so that year will keep rising as more are recorded. Our claims data runs through May 2026. Comparisons with other counties on this page use 2020–2024, where the record has settled.
The whole flood-claim record — Kerr County
The chart above covers recent years. Over the whole NFIP record for Kerr County — 1978 to 2025 — the totals are much larger. The worst single year on record is 2025, with 104 paid claims — 44% of everything on record for the county.
Year-by-year claim counts, whole record
| Year | Claims (count) |
|---|---|
| 1978 | 11 |
| 1979 | 1 |
| 1981 | 2 |
| 1985 | 2 |
| 1986 | 1 |
| 1987 | 14 |
| 1988 | 1 |
| 1991 | 1 |
| 1992 | 1 |
| 1993 | 1 |
| 1994 | 1 |
| 1996 | 4 |
| 2000 | 13 |
| 2001 | 2 |
| 2002 | 47 |
| 2004 | 2 |
| 2005 | 1 |
| 2007 | 9 |
| 2012 | 3 |
| 2014 | 1 |
| 2015 | 1 |
| 2016 | 9 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2024 | 2 |
| 2025 (provisional) | 104 |
Every year with at least one paid claim is listed. Dollar totals sum payments made across 48 years and are nominal dollars — not adjusted for inflation — a 1979 payment and a 2024 payment are added together as printed. Source: FEMA NFIP redacted claims.
Historical NFIP flood-claim outcomes — Kerr County
Not a forecast for your loss. These are flood-insurance (NFIP) building claims only — a burst pipe or appliance leak is usually a homeowners-policy matter, and outcomes depend on your coverage, cause, and documentation.
City-level breakdowns, share-paid rates, and time-to-payment will publish only when claim-level geography and full methodology (numerators, denominators, status filters, code) are finalized and reproducible.
After the immediate emergency
Once the area is safe and the water is stopped, the full step-by-step lives on our statewide guide so it stays in one authoritative place:
How Kerr County compares
Kerr County ranks 49th highest of 254 Texas counties for how many homes carry flood insurance, at 18 per 1,000 against a state median of 5.5. The closest Texas county we publish on that measure is Polk County (19 per 1,000), which makes it the most useful single page to read beside this one. For every county and the counties we do not publish, see the Texas water damage guide.
Sources & methodology
- [1] FEMA NFIP Redacted Claims v2 — snapshot July 2026 · Kerr County · building claims, payment > $0 · full field list, filters, and query: methodology page
- [2] FEMA Disaster Declarations Summaries v2 — county-designated declarations since 2015
- [3] NOAA Storm Events Database — flash-flood events, Kerr County, Jan 2020 through 2026-03
- [4] FEMA NFIP Redacted Policies v2 — policies in force as of the 2026-07-20 snapshot (policy_count sum)
- [5] EPA — dry within 24–48 hours to reduce chance of mold growth · TDI — claim handling, CLUE, deductible law · your city water utility / 311 — shutoff guidance
Download this county's figures as data.json, or the complete dataset at The Texas Water Damage Ledger.
Every statistic on this page links to its methodology record (source dataset, formula, filters, date semantics, and minimum sample) — follow the "method" link on each figure. Estimates are labeled. County figures are NOT allocated to cities. This is general information only and not professional advice.