Flood history · Martindale, TX 78655
Flood insurance claims in Martindale, TX 78655
165 claims since 1998 and $6.3 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 78655 since 1978.
What the record says
71% of claims were on properties in high-risk zones and 29% outside them.
One event dominates the record: Early summer storms accounts for 45% of all claims in this ZIP code.
3 claims were filed in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Guadalupe County * takes part in FEMA's Community Rating System (class 8), which can lower flood insurance premiums by up to 10% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Early summer storms | 2015 | 75 | 45% |
| Fall severe storms | 2015 | 33 | 20% |
| Unnamed flooding | 1998 | 20 | 12% |
| Torrential rain | 2002 | 2 | 1% |
| Hurricane Harvey | 2017 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Caldwell County
Flood, hurricane and storm declarations since 2000.
10 flood, storm or hurricane declarations for Caldwell County since 2000.
Check a specific address in Martindale.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.