Does Waters Park flood?
Waters Park, Austin, TX · ZIP codes 78759 and 78727: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Waters Park have filed flood claims. About 9.4% of Waters Park’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 26 claims from the Census block groups that cover Waters Park, from 1981 through 2013. 21 of them received a payment, totaling $381,147 (not adjusted for inflation). The busiest years were 1981 (6 claims), 1982 (4 claims), 2001 (3 claims).
What this page counts as Waters Park
We could not find an openly licensed official boundary for Waters Park, so this page uses a census-based area. For this page, Waters Park means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Waters Park (feature 1370926) and inside the Austin city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Waters Park. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Waters Park
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Waters Park
The named streets in Waters Park, longest first, with how much of each street’s length inside Waters Park lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Waters Park; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 60 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| W Parmer Ln | 3.8 mi | 0.9% | X (unshaded, minimal) (98%) |
| State Loop 1 | 2.3 mi | 9.6% | X (unshaded, minimal) (90%) |
| Adelphi Ln | 1.2 mi | 12% | X (unshaded, minimal) (85%) |
| Amherst Dr | 1.2 mi | 0.0% | X (unshaded, minimal) (98%) |
| Metric Blvd | 1.2 mi | 1.4% | X (unshaded, minimal) (97%) |
| Tomanet Trl | 4,850 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lamplight Village Ave | 4,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Park Bend Dr | 4,140 ft | 0.0% | X (unshaded, minimal) (100%) |
| Waters Park Rd | 4,140 ft | 42% | X (unshaded, minimal) (55%) |
| Scribe Dr | 4,040 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cedar Bend Dr | 3,750 ft | 0.0% | X (unshaded, minimal) (100%) |
| Duval Rd | 3,130 ft | 12% | X (unshaded, minimal) (87%) |
| Limerick Ave | 3,100 ft | 0.0% | X (unshaded, minimal) (100%) |
| Alderbrook Dr | 2,670 ft | 0.0% | X (unshaded, minimal) (100%) |
| N Shields Dr | 2,540 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cassady Dr | 2,390 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ganymede Dr | 2,370 ft | 0.0% | X (unshaded, minimal) (76%) |
| Dapplegrey Ln | 2,350 ft | 0.0% | X (unshaded, minimal) (100%) |
| Esplanade St | 2,190 ft | 0.0% | X (unshaded, minimal) (100%) |
| Mosley Ln | 2,040 ft | 0.0% | X (unshaded, minimal) (100%) |
| Scofield Ln | 1,900 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cumbria Ln | 1,880 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cindy Ln | 1,870 ft | 0.0% | X (unshaded, minimal) (100%) |
| Rampart St | 1,840 ft | 0.0% | X (unshaded, minimal) (100%) |
| Forsythe Dr | 1,770 ft | 0.0% | X (unshaded, minimal) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 2, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Waters Park
Share of Waters Park’s mapped area (about 6.523 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (48453C0265K, 48453C0270J): August 18, 2014, January 6, 2016.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 88% |
| AE | 9.3% |
| X (shaded, 0.2% annual chance) | 2.9% |
| A | 0.0% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Waters Park. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 12 | $128,618 |
| 1990s | 4 | $32,663 |
| 2000s | 6 | $128,871 |
| 2010s | 4 | $90,996 |
By year of loss
Named flood events with the most claims
- Flooding: 8 claims
- Torrential rain: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 16
- Not reported: 10
Why home insurance costs what it does in Waters Park
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Waters Park, within 10 km of it.
- ZIP code 78759: the median National Flood Insurance Program policy cost for single-family homes was $666 a year, the middle of 126 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $471 and $862. These policies are priced under Risk Rating 2.0.
- ZIP code 78759: NFIP records list 105 flood claims with a loss year from 1980 through 2025. The claims dataset is as of September 8, 2026.
- ZIP code 78727: the median National Flood Insurance Program policy cost for single-family homes was $1,070 a year, the middle of 95 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $899 and $1,237. These policies are priced under Risk Rating 2.0.
- ZIP code 78727: NFIP records list 51 flood claims with a loss year from 1981 through 2025. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Austin, TX a Risk to Homes national percentile rank of 0.738, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Waters Park alone. The summary file is dated April 15, 2026.
The insurance market in Texas
- Texas Windstorm Insurance Association: Total policies in force, as of 6/30/2026: 288,676.
- Texas FAIR Plan Association: As of June 30, 2026: TFPA insures 118,486 properties.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Waters Park?
ZIP code 78759: the median National Flood Insurance Program policy cost for single-family homes was $666 a year, the middle of 126 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $471 and $862. These policies are priced under Risk Rating 2.0. ZIP code 78759: NFIP records list 105 flood claims with a loss year from 1980 through 2025. The claims dataset is as of September 8, 2026. ZIP code 78727: the median National Flood Insurance Program policy cost for single-family homes was $1,070 a year, the middle of 95 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $899 and $1,237. These policies are priced under Risk Rating 2.0. ZIP code 78727: NFIP records list 51 flood claims with a loss year from 1981 through 2025. The claims dataset is as of September 8, 2026.
How big are the last-resort insurance plans in Texas?
Texas Windstorm Insurance Association: Total policies in force, as of 6/30/2026: 288,676. Texas FAIR Plan Association: As of June 30, 2026: TFPA insures 118,486 properties.
What should I ask an insurance agent about a home in Waters Park?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods; Texas Department of Insurance, Texas Windstorm Insurance Association Overview; Texas FAIR Plan Association Fact Book, Q2 2026.
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Before you rent or buy in Waters Park
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Waters Park
Flood maps are only one part of choosing a neighborhood. To compare Waters Park with other Austin neighborhoods on more than flooding, see Austin on StrollPlace.
Buyer and renter FAQ
Does Waters Park flood?
Yes. Insured properties in and around Waters Park have filed flood claims. About 9.4% of Waters Park’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 26 claims from the Census block groups that cover Waters Park, from 1981 through 2013. 21 of them received a payment, totaling $381,147 (not adjusted for inflation). The busiest years were 1981 (6 claims), 1982 (4 claims), 2001 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Waters Park in a flood zone?
About 9.4% of Waters Park’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 88%; AE 9.3%; X (shaded, 0.2% annual chance) 2.9%; A 0.0%. The FIRM panel(s) covering it took effect August 18, 2014, January 6, 2016.
Which streets in Waters Park are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of W Parmer Ln, State Loop 1, Amherst Dr, Metric Blvd, Tomanet Trl, Lamplight Village Ave, Park Bend Dr and Scribe Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Waters Park in?
Waters Park is in Austin, TX. ZIP codes 78759 and 78727: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Coxville flood?
- Does Walnut Forest flood?
- Does Abercrombie flood?
- Does Smoot flood?
- Does Vinson flood?
- Does Oak Hill flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 2, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Travis County (county code 48453), dataset as of September 8, 2026, retrieved November 2, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 484530018502, 484530018503, 484530018501, 484530018481, 484530018482, 484530018493, 484530018281, 484530018291, 484530018292. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 2, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 2, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- Texas Department of Insurance, Texas Windstorm Insurance Association Overview.
- Texas FAIR Plan Association Fact Book, Q2 2026.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 2, 2026 (flood zones). Page last updated November 2, 2026.