Photo: Billy Hathorn · CC BY 3.0FEMA expects more hazard damage per building in Kingsland than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kingsland gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #624 of 642 in Texas. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 50 claims here since 2018.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Kingsland faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Kingsland’s grade
River and rain flooding is 91% of the building damage FEMA expects in Kingsland, and Kingsland’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Wildfire adds 1%, at a rate in the top 10% of U.S. census tracts.
D #624 of 642 in Texas; higher expected damage per building than 88% of U.S. towns (21,298).
Kingsland’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Kingsland has more expected damage per building than 97% of Texas towns.
In dollars, FEMA expects about $5.8M a year in losses across Kingsland: $3.5M to buildings, the rest to people and crops.
Does Kingsland flood? Sometimes: 50 flood claims since 2018
Every paid claim on a federal flood insurance policy in Kingsland, from FEMA’s records: 11.2 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.
- The Fall 2018 Texas Flooding38 claims · $2.9M
- The 2025 July Central TX Flooding7 claims · $266K
- The 2026-06-Arthur-TS1 claim · $9K
Kingsland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Llano County.2 federal disasters brought FEMA money to Kingsland
Disasters that paid out in Kingsland itself (aid to households or repair grants to Kingsland), newest first, with that year’s flood claims.
- 2021Severe Winter Storms90 households applied for aid$48K aid approved
- 2007Severe Storms, Tornadoes, and Flooding92 households applied for aid$157K aid approved
Llano County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Kingsland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kingsland archive →Get ready for what Kingsland faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Kingsland
Is Kingsland at risk for natural disasters?
On FEMA’s National Risk Index, Kingsland has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #624 of 642 in Texas. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Kingsland flood?
Flood insurance has paid 50 claims in Kingsland since 2018, $3.6M in all, or 11.2 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. The most claims came from Fall 2018 Texas Flooding (38).
Is Kingsland in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Llano County, 56% of homes in mapped flood zones carry federal flood insurance, and 7.1% of all homes do.
How much is flood insurance in Kingsland?
FEMA’s Community Rating System list shows no discount for Kingsland’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Kingsland?
By FEMA money that reached Kingsland, Severe Storms, Tornadoes, and Flooding (2007): 92 households applied for aid, $157K approved. By flood claims, Fall 2018 Texas Flooding: 38 paid, $2.9M.
Is Kingsland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Kingsland’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kingsland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kingsland’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.