San Antonio, Texas Flood Zones
San Antonio sits at the edge of the Balcones Escarpment, where steep terrain meets the flat coastal plain, creating extreme flash flood potential. The San Antonio River and numerous urban creeks flood rapidly during intense thunderstorms.
Common Flood Zones in San Antonio
Properties in San Antonio, TX are commonly designated in these FEMA flood zones:
Check Your San Antonio Address
Enter any San Antonio, TX address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in San Antonio
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In San Antonio, the most common designations are Zone AE, Zone AO, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any San Antonio address.