Does Gruene flood?
Gruene, New Braunfels, TX · ZIP code 78130: the ZIP code on 99 of the 100 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Gruene have filed flood claims. About 20% of Gruene’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 100 claims from the Census block groups that cover Gruene, from 1998 through 2025. 89 of them received a payment, totaling $9,033,298 (not adjusted for inflation). The busiest years were 2002 (33 claims), 2010 (25 claims), 1998 (25 claims).
What this page counts as Gruene
We could not find an openly licensed official boundary for Gruene, so this page uses a census-based area. For this page, Gruene 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 Gruene (feature 1337053) and inside the New Braunfels 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 Gruene. 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 Gruene
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 Gruene
The named streets in Gruene, longest first, with how much of each street’s length inside Gruene lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Gruene; 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. 18 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Gruene Rd | 2.3 mi | 11% | X (unshaded, minimal) (84%) |
| E Common St | 1.4 mi | 0.0% | X (unshaded, minimal) (100%) |
| Hanz Dr | 4,940 ft | 0.0% | X (unshaded, minimal) (100%) |
| Loop 337 | 4,630 ft | 14% | X (unshaded, minimal) (74%) |
| Hunter Rd | 2,980 ft | 0.0% | X (unshaded, minimal) (100%) |
| State Loop 337 | 2,780 ft | 2.9% | X (unshaded, minimal) (83%) |
| Sleepy Hollow Ln | 2,770 ft | 96% | AE (96%) |
| Old FM 306 | 2,540 ft | 5.3% | X (unshaded, minimal) (91%) |
| Ervenberg Ave | 2,450 ft | 0.0% | X (unshaded, minimal) (65%) |
| Cotton Blvd | 2,390 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sunnybrook Dr | 2,070 ft | 0.0% | X (unshaded, minimal) (100%) |
| Rapids Rd | 2,030 ft | 3.7% | X (unshaded, minimal) (87%) |
| Gruene Lake Dr | 1,920 ft | 0.0% | X (unshaded, minimal) (100%) |
| Ewelling Ln | 1,750 ft | 0.0% | X (unshaded, minimal) (85%) |
| Village Path | 1,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| Gruene Vineyard Xing | 1,610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Fox Glen Rd | 1,610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Clearwater Dr | 1,600 ft | 0.0% | X (unshaded, minimal) (100%) |
| Gruene Wald | 1,600 ft | 0.0% | X (unshaded, minimal) (100%) |
| Easy Gruene | 1,350 ft | 0.0% | X (unshaded, minimal) (100%) |
| Rivercrest Dr | 1,160 ft | 0.0% | X (unshaded, minimal) (100%) |
| Hillcrest Dr | 1,160 ft | 0.0% | X (unshaded, minimal) (100%) |
| Crystal Springs Bend | 1,060 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pebble Brook Dr | 1,050 ft | 23% | X (unshaded, minimal) (74%) |
| Hudson Ln | 1,020 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 Gruene
Share of Gruene’s mapped area (about 3.899 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 (48091C0455G): May 8, 2024.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 72% |
| AE | 19% |
| X (shaded, 0.2% annual chance) | 7.3% |
| A | 1.7% |
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 Gruene. 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 |
|---|---|---|
| 1990s | 25 | $2,591,224 |
| 2000s | 35 | $3,619,099 |
| 2010s | 39 | $2,772,235 |
| 2020s | 1 | $50,739 |
By year of loss
Named flood events with the most claims
- Torrential rain: 31 claims
- Flooding: 25 claims
- Fall severe storms: 13 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 59
- X/B/C (moderate or minimal): 41
How much is flood insurance in Gruene?
The typical National Flood Insurance Program policy on single-family homes in Gruene costs $1,459 a year: the median of 55 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,086 and $2,447. 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 Gruene
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 Gruene, within 10 km of it.
- ZIP code 78130: the median National Flood Insurance Program policy cost for single-family homes was $1,318 a year, the middle of 807 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,082 and $2,117. These policies are priced under Risk Rating 2.0.
- ZIP code 78130: NFIP records list 863 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives New Braunfels, TX a Risk to Homes national percentile rank of 0.745, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Gruene 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 Gruene?
ZIP code 78130: the median National Flood Insurance Program policy cost for single-family homes was $1,318 a year, the middle of 807 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,082 and $2,117. These policies are priced under Risk Rating 2.0. ZIP code 78130: NFIP records list 863 flood claims with a loss year from 1978 through 2026. 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 Gruene?
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 Gruene
- 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 Gruene
Flood maps are only one part of choosing a neighborhood. To compare Gruene with other New Braunfels neighborhoods on more than flooding, see New Braunfels on StrollPlace.
Buyer and renter FAQ
Does Gruene flood?
Yes. Insured properties in and around Gruene have filed flood claims. About 20% of Gruene’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 100 claims from the Census block groups that cover Gruene, from 1998 through 2025. 89 of them received a payment, totaling $9,033,298 (not adjusted for inflation). The busiest years were 2002 (33 claims), 2010 (25 claims), 1998 (25 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Gruene in a flood zone?
About 20% of Gruene’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) 72%; AE 19%; X (shaded, 0.2% annual chance) 7.3%; A 1.7%. The FIRM panel(s) covering it took effect May 8, 2024.
Which streets in Gruene are in a high-risk flood zone?
Most of the length of Sleepy Hollow Ln lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of E Common St, Hanz Dr, Hunter Rd, State Loop 337, Old FM 306, Ervenberg Ave, Cotton Blvd and Sunnybrook Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Gruene in?
Gruene is in New Braunfels, TX. ZIP code 78130: the ZIP code on 99 of the 100 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 Gruene?
The typical NFIP flood insurance policy on single-family homes in Gruene cost $1,459 a year: the median of 55 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,086 and $2,447. 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 Comal County (county code 48091), 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: 480913105031. 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.