It’s a good idea to determine the risk your property has of flooding. Is your house next to a creek or storm drain channel? Is it located at the low-point of a roadway or at the bottom of a hill? These are indications that flood insurance may be a good idea.

Mortgage companies usually require flood insurance for homes and businesses in the floodplain. Homeowners insurance policies do not cover flooding caused by stormwater.

Keep in mind that people outside of floodplain areas file more than 20% of flood insurance claims and receive about one-third of disaster assistance, when it is available.

For more information about who must purchase flood insurance, download FEMA’s Mandatory Purchase of Flood Insurance Guidelines booklet.

In regard to lowering your premium, you may already be getting a 20% discount because of the steps Austin takes to guard against flooding. In addition, there may be some improvements that you can make to protect your house or business from flooding. For more information, call our hotline at 512-974-2843 or send an email.

An elevation certificate may also be helpful. Prepared by a surveyor or engineer, elevation certificates show the elevation of your home in comparison with the expected elevation of floodwaters. If the certificate shows that the lowest floor elevation in your house is above the expected inundation levels, it should lower your insurance premium. The City may already have one on file for your house or business, but we cannot guarantee the accuracy. Please use FloodPro to look up whether we have a certificate on file or you may contact us by phone or email.

Download these FEMA publications to find out more about protecting your property:

You can look this up on FloodPro, an online tool that shows floodplain maps, models, elevation certificates and floodplain map revision information. Questions? Call 512-974-2843 or send an email.

Keep monitoring the situation and get ready to potentially evacuate or move to the second floor or roof. The flooding may get much worse very fast. In Austin, our creeks can rise several feet in just a few minutes. Keep in mind that the road providing access to your home may become impassible before water enters your house. Leave before the road is flooded. Do not attempt to drive or walk through a flooded road.

If there’s time, the following steps can help limit damage:

• Turn off all utilities at the main power switch and close the main gas valve if evacuation appears necessary. • Move valuables, such as important papers, jewelry, and clothing to upper floors or higher elevations. • Fill bathtubs, sinks, and plastic soda bottles with clean water. Sanitize the sinks and tubs first by using bleach and rinsing. • Bring outdoor possessions, such as lawn furniture, grills, and trash cans inside, or tie them down securely.

Find out what to include in an emergency preparedness kit.

Yes, it is a Class B misdemeanor in Texas to drive around a barricade at a flooded road. This is the same as a DWI. If caught, you may be arrested, have your car impounded, spend up to 180 days in jail and/or be fined up to $2000. You may also be charged for the cost of your rescue.

Call 3-1-1. The Watershed Protection Department will send someone to document the flooding. This helps us understand where projects are necessary.

Call your homeowners insurance company and follow their instructions to file a claim and repair your house. A separate flood insurance policy is required to cover damages due to flooding. Here are some precautions:

  • Check for structural damage before entering your house. Don’t go in if the building might collapse.
  • Do not use matches, cigarette lighters, or any other open flames, since gas may be trapped inside. Use a flashlight.
  • Keep power off until an electrician has inspected your system for safety.
  • Look out for snakes and other animals.
  • Be careful walking around. Look for nails, broken glass or other hazards. Floors may be slippery due to mud.
  • Document the damage with photographs.
  • Clean right away. Throw out food and medicines that may have come in contact with flood water.
  • Boil water vigorously for five minutes until local authorities proclaim your water supply is safe.
  • Before you start repairs, contact the Development Assistance Center at 512-974- 6370 about possible permitting requirements.

Download this FEMA publication to find out more about repairing your home: Repairing Your Flooded Home.

Risk of Property Damage: If your home is in the 100-year floodplain, it has a 26% chance of being flooded over the course of a 30-year mortgage. There are steps you can take to reduce property damage. For more information, visit, explore our FAQs or call our hotline at 512-974-2843.

Safety: Flooding can be deadly. Monitor the weather, consider purchasing a NOAA Weather Radio and prepare a family disaster plan. Learn more about where the floodplain is located on our interactive floodplain map. For more information about flood safety, visit our Flood Safety and Preparedness page.

Restrictions: Stricter permit regulations apply for any building, remodeling, construction or other development on properties in the floodplain. In some cases, it may be impossible to get a permit. For more information on restrictions, go to Floodplain Development Information.

ENS stands for Emergency Notification System. These areas have been identified by the City as being more likely to require evacuation due to flash flooding than other areas. The areas have been pre-entered into our emergency notification system to expedite automated phone calls in the event of an evacuation.

If a road is flooded, turn around and find an alternate route. Don’t risk drowning by trying to cross it. Most flood fatalities occur in vehicles. 

In the right circumstances, almost any road can flood. The ones listed below are the ones that flood most frequently:

  • W. 12th St. from Lamar to Shoal Creek Blvd.
  • W. 32nd St. at Hemphill Park
  • E. 38 1/2 St. between Grayson and Airport Blvd.
  • Adelphi Ln. between Scribe Dr. and Waters Park Rd.
  • E. Alpine Rd. between Willow Springs and Warehouse Row
  • Burleson Rd. between U.S. 183 and FM 973
  • Carson Creek Blvd. between Cool Shadow Dr. and Warrior Ln.
  • Colton-Bluff Springs Rd. by Alum Rock Dr.
  • Convict Hill Rd. between Flaming Oak Place and MoPAC
  • David Moore Dr. north of Sweetwater River Dr.
  • Delwau Ln. at Shelton Rd.
  • W. Dittmar between Loganberry and S. Congress
  • Joe Tanner Ln., near Hwy. 290
  • Johnny Morris Rd. between FM 969 and Loyola Ln.
  • Lakewood Dr., 6700 block
  • W. Monroe St. between S. First and Roma St.
  • McNeil Dr. between Camino and Burnet
  • Nuckols Crossing at Teri Rd.
  • Parkfield Dr. from Thornridge to Mearns Meadow
  • Possum Trot between Inland Place and Quarry Rd.
  • Old Bee Caves Road, near Hwy. 290
  • Old San Antonio Rd. between FM 1626 and IH 35
  • Old Spicewood Springs Road, between Loop 360 and Spicewood Springs Rd.
  • O’Neal Ln., between MoPAC service road and Waters Park Rd.
  • Posten Ln., 7900 block
  • River Hills Rd., off Cuernavaca
  • Rogge Ln. between Ridgemont and Delwood Dr.
  • Rutland from Mearns Meadow to N. Lamar
  • Spicewood Springs Road, between Loop 360 and Old Lampasas Trl.
  • Springdale Rd. from Ferguson to Breeds Hill Dr.
  • Wasson Rd. near S. Congress Ave.
  • Waters Park Rd. between 183 and MoPAC

To find out if a road is flooded, check