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Flood Risk

Which Hill Country Neighborhoods Flooded in July 2025 and How to Check an Address

Patrick Kevin Fagan

Texas Real Estate Sales Agent #454749, AXEN Realty LLC · Senior Loan Officer, NMLS ID #877741, NEXA Mortgage, LLC

Updated September 25, 2026

A Texas Hill Country river swollen in flood over its banks across a grassy valley with live oaks under an overcast sky

Patrick's Quick Answer

The July 2025 Central Texas floods were devastating and record-setting on the upper Guadalupe, with 136 confirmed deaths, the deadliest flooding in Kerr County, and the Guadalupe at Hunt rising 26 feet in 45 minutes to crest at 37.52 feet, its highest on record. Canyon Lake rose from about 43 to 63 percent full by July 8, 2025. But there is no authoritative neighborhood-level list of which homes in Comal, Kendall, or Guadalupe counties flooded, and I will not pretend there is. Flooding is address-specific, so the honest, official way to know a home's risk is to check that one address yourself, starting with the FEMA Flood Map Service Center.

Check a specific address

Look up the exact address on the FEMA Flood Map Service Center, the official flood map tool, or tell Patrick what you are looking for and he will help you through the check.

Check Your Address on the FEMA Flood Map Tell Patrick What You're Looking For

Buyers in the Hill Country ask me which neighborhoods flooded in July 2025, and the honest answer has two parts: what is verified about the event, and how to check any one address. Here is both, with sources and dates attached.

What is verified about the July 2025 floods

These figures are sourced to Wikipedia's July 2025 Central Texas floods article, which cites the National Weather Service, USGS, and local officials, and was accessed on September 24, 2026:

  • The deadliest flooding hit the upper Guadalupe in Kerr County.
  • The Guadalupe at Hunt rose 26 feet in 45 minutes and crested at 37.52 feet, the highest on record there.
  • 136 confirmed deaths in total: Kerr 117, Travis 10, Burnet 5, Williamson 3, Tom Green 1.
  • The primary event ran July 4-5, 2025, with a secondary round July 12-13.
  • Kerrville rose 21 feet in one hour; Comfort surged nearly 27 feet in 45 minutes.

These are river and event facts. They tell you how extreme the event was, not which specific Hill Country home flooded, because flooding depends on the exact location relative to the watercourse and the terrain.

What happened at Canyon Lake

For the Canyon Lake area, the verified facts are reservoir and water-system level:

  • Canyon Lake rose from about 43 percent to 63 percent full, up 12 feet to just over 889 feet, by July 8, 2025 (Texas Public Radio, July 9, 2025).
  • Boil water notices went out for Canyon Lake-area communities on July 8, 2025 (KSAT).

That is not a list of which homes near the lake flooded. No authoritative neighborhood-level list exists for Comal, Kendall, or Guadalupe counties, and I will state that plainly rather than guess.

How to check one address, the official way

Because flood risk is address-specific, here is the official method to check any single property:

  1. FEMA Flood Map Service Center at msc.fema.gov. Enter the address to see the current FEMA flood zone.
  2. County floodplain permit records and GIS. For a Comal County address, check comalcounty.gov floodplain records and the county GIS for the parcel.
  3. CLUE claims-history report. Request a comprehensive loss underwriting exchange report from an insurer to see past property claims.

Note on maps: Comal County has preliminary FEMA flood map work underway, but the details are unverified. Check directly with Comal County Floodplain for the current status before you rely on any map, and treat any current map as a starting point, not a guarantee.

Frequently Asked Questions

Did the July 2025 floods affect Canyon Lake? Tap to expand
Yes, in reservoir terms. Canyon Lake rose from about 43 percent to 63 percent full, up about 12 feet to just over 889 feet, by July 8, 2025, per Texas Public Radio on July 9, 2025, and boil water notices went out for Canyon Lake-area communities on July 8, 2025 per KSAT. That is reservoir and water-system information, not a list of which specific homes flooded.
Is there a list of neighborhoods that flooded in July 2025? Tap to expand
No authoritative neighborhood-level list exists for Comal, Kendall, or Guadalupe counties, and I will not invent one. Flooding is address-specific, driven by proximity to the river, the terrain, and the exact water level. The honest method is to check each address individually.
How do I check whether one specific address is in a flood zone? Tap to expand
Use the official method: look the address up on the FEMA Flood Map Service Center at msc.fema.gov, check the county floodplain permit records and GIS for the county the property sits in (for Comal, comalcounty.gov), and, for past claims, request a CLUE claims-history report from an insurer. All three together give the most complete picture.
Was the July 2025 flood the worst on record in the Hill Country? Tap to expand
On the upper Guadalupe it set records. The Guadalupe at Hunt rose 26 feet in 45 minutes and crested at 37.52 feet, the highest on record there, and the deadliest flooding hit the upper Guadalupe in Kerr County. Record river levels at one gauge do not mean every Hill Country home flooded, so check the specific address.
Is Comal County updating its flood maps? Tap to expand
Comal County has preliminary FEMA flood map work underway, but the details are unverified, so check directly with Comal County Floodplain for the current status before you rely on any map.
Which areas around Canyon Lake are least likely to flood? Tap to expand
There is no verified list I can hand you, because flood exposure is per address, driven by elevation, proximity to the lake and the Guadalupe River, drainage, and the exact water level. The honest method: run the specific address on the FEMA Flood Map Service Center (msc.fema.gov), check the Comal County floodplain GIS, and look at the parcel's finished elevation against the mapped flood elevations for that area.
Do I need flood insurance in New Braunfels if I am not in a flood zone? Tap to expand
If the FEMA map for the exact address shows the property outside a Special Flood Hazard Area, flood insurance is generally not required by your lender, but it can still be available and worth the cost in some cases. If the address is in a mapped SFHA, lenders require flood insurance before closing. The determination is per address on msc.fema.gov, and a licensed agent can quote the actual premium either way.

Check the address before you fall in love with the house

Look up the exact address on the FEMA Flood Map Service Center, or tell Patrick what you are looking for and he will help you run the full flood and due-diligence check on any home you are considering.

Check Your Address on the FEMA Flood Map Tell Patrick What You're Looking For

About Patrick Kevin Fagan, REALTOR®

Patrick Kevin Fagan is a Texas Real Estate Sales Agent (#454749) with AXEN Realty LLC and a Senior Loan Officer (NMLS ID #877741) with NEXA Mortgage, LLC (NMLS #1660690). He brings 23+ years in mortgage lending and 19 years in real estate, serving homebuyers, homeowners, and sellers across Greater San Antonio and the Texas Hill Country.

Full credentials on the About page

Answered by Patrick Kevin Fagan

Texas Real Estate Sales Agent #454749, AXEN Realty LLC · Senior Loan Officer, NMLS ID #877741, NEXA Mortgage, LLC

Call or text: 210-317-6514