Does Del Mar flood?
Del Mar, Laredo, TX · ZIP codes 78045 and 78041: 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 Del Mar have filed flood claims. About 4.5% of Del Mar’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 15 claims from the Census block groups that cover Del Mar, from 2003 through 2017. 11 of them received a payment, totaling $259,570 (not adjusted for inflation). The busiest years were 2017 (5 claims), 2007 (4 claims), 2008 (2 claims).
What this page counts as Del Mar
We could not find an openly licensed official boundary for Del Mar, so this page uses a census-based area. For this page, Del Mar 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 Del Mar (feature 1334229) and inside the Laredo 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 Del Mar. 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 Del Mar
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 Del Mar
The named streets in Del Mar, longest first, with how much of each street’s length inside Del Mar lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Del Mar; 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. 88 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Merlin Rd | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Del Mar Blvd | 1.1 mi | 5.2% | X (unshaded, minimal) (95%) |
| Springfield Ave | 1.1 mi | 20% | X (unshaded, minimal) (78%) |
| Fenwick Dr | 4,940 ft | 0.0% | X (unshaded, minimal) (100%) |
| San Dario Ave | 4,570 ft | 32% | X (unshaded, minimal) (68%) |
| Manor Rd | 4,180 ft | 0.0% | X (unshaded, minimal) (100%) |
| Jordan Dr | 4,010 ft | 0.0% | X (unshaded, minimal) (100%) |
| Candlewood Rd | 3,830 ft | 0.0% | X (unshaded, minimal) (100%) |
| Plymouth Ln | 3,760 ft | 0.0% | X (unshaded, minimal) (100%) |
| Surrey Rd | 3,570 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Lindenwood Dr | 3,550 ft | 0.0% | X (unshaded, minimal) (100%) |
| McPherson Dr | 3,380 ft | 0.0% | X (unshaded, minimal) (100%) |
| Martens Rd | 3,300 ft | 0.0% | X (unshaded, minimal) (100%) |
| Boise Way | 3,250 ft | 0.0% | X (unshaded, minimal) (100%) |
| Eden Ln | 3,210 ft | 40% | X (unshaded, minimal) (60%) |
| International Blvd | 3,120 ft | 0.0% | X (unshaded, minimal) (100%) |
| Michigan Ave | 2,970 ft | 0.0% | X (unshaded, minimal) (100%) |
| McPherson Rd | 2,900 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Fenwick Dr | 2,870 ft | 0.0% | X (unshaded, minimal) (100%) |
| St Julien Dr | 2,860 ft | 0.0% | X (unshaded, minimal) (100%) |
| Nye Dr | 2,790 ft | 0.0% | X (unshaded, minimal) (100%) |
| US Hwy 83 | 2,760 ft | 46% | X (unshaded, minimal) (54%) |
| Saint James Dr | 2,680 ft | 0.0% | X (unshaded, minimal) (100%) |
| New Castle Dr | 2,600 ft | 0.0% | X (unshaded, minimal) (100%) |
| Regal Dr | 2,500 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 October 31, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Del Mar
Share of Del Mar’s mapped area (about 6.125 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 (48479C1185C, 48479C1205C, 48479C1215C): April 2, 2008.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 95% |
| AE | 3.7% |
| A | 0.8% |
| X (shaded, 0.2% annual chance) | 0.6% |
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 Del Mar. 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 |
|---|---|---|
| 2000s | 8 | $77,540 |
| 2010s | 7 | $182,029 |
By year of loss
Named flood events with the most claims
- Thunderstorms: 4 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 14
- A/AE/AH/AO (high risk): 1
How much is flood insurance in Del Mar?
The typical National Flood Insurance Program policy on homes and units (one building or unit per policy) in Del Mar costs $596 a year: the median of 14 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $472 and $806. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 31, 2026.
Why home insurance costs what it does in Del Mar
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Del Mar, within 10 km of it.
- ZIP code 78041: the median National Flood Insurance Program policy cost for single-family homes was $648 a year, the middle of 270 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $542 and $776. These policies are priced under Risk Rating 2.0.
- ZIP code 78041: NFIP records list 131 flood claims with a loss year from 1981 through 2023. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Laredo, TX a Risk to Homes national percentile rank of 0.716, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Del Mar 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 Del Mar?
ZIP code 78041: the median National Flood Insurance Program policy cost for single-family homes was $648 a year, the middle of 270 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $542 and $776. These policies are priced under Risk Rating 2.0. ZIP code 78041: NFIP records list 131 flood claims with a loss year from 1981 through 2023. 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 Del Mar?
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 Del Mar
- 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 Del Mar
Flood maps are only one part of choosing a neighborhood. To compare Del Mar with other Laredo neighborhoods on more than flooding, see Laredo on StrollPlace.
Buyer and renter FAQ
Does Del Mar flood?
Yes. Insured properties in and around Del Mar have filed flood claims. About 4.5% of Del Mar’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 15 claims from the Census block groups that cover Del Mar, from 2003 through 2017. 11 of them received a payment, totaling $259,570 (not adjusted for inflation). The busiest years were 2017 (5 claims), 2007 (4 claims), 2008 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Del Mar in a flood zone?
About 4.5% of Del Mar’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) 95%; AE 3.7%; A 0.8%; X (shaded, 0.2% annual chance) 0.6%. The FIRM panel(s) covering it took effect April 2, 2008.
Which streets in Del Mar 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 Merlin Rd, E Del Mar Blvd, Fenwick Dr, Manor Rd, Jordan Dr, Candlewood Rd, Plymouth Ln and Surrey Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Del Mar in?
Del Mar is in Laredo, TX. ZIP codes 78045 and 78041: 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.
How much is flood insurance in Del Mar?
The typical NFIP flood insurance policy on homes and units (one building or unit per policy) in Del Mar cost $596 a year: the median of 14 policies that started between August 1, 2025 and July 31, 2026. Half cost between $472 and $806. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
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
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 October 31, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Webb County (county code 48479), dataset as of September 8, 2026, retrieved October 31, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 484790017201, 484790017211, 484790017091, 484790017202, 484790017092. 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 October 31, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 31, 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.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- 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 October 31, 2026 (flood zones). Page last updated October 31, 2026.