Short answer: El Paso County's FEMA National Risk Index report ranks hazards for El Paso tracts. The Texas FAIR Plan is the residual property market for eligible applicants.
This guide is general information for homeowners and drivers in the El Paso area (El Paso County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for El Paso County) and the Flood Map Service Center.
Federal disaster declarations in El Paso County
FEMA's disaster declarations data shows 6 major disaster declarations that included El Paso County since 1974, led by severe storm events (2), severe ice storm events (1) and fire events (1). The most recent: Severe Winter Storms, 2021, Severe Storms and Flooding, 2006, Extreme Wildfire Threat, 2006 and Hurricane Rita, 2005. FEMA also lists 8 emergency declarations for the county in the same data.
El Paso's flood maps are being redrawn
FEMA and local officials are updating flood maps across El Paso County. FEMA released a preliminary Flood Insurance Rate Map on July 2, 2020, and a revised version on November 15, 2023, after the 2021 appeal period. A second 90-day appeal period, covering only the areas that changed, began June 6, 2024. You can see which areas changed in the county viewer linked from the city's flood zones page. Send questions to the City of El Paso Floodplain Administrator.
If your zone changes
The city warns that new maps may move some properties into a high-risk zone, where most lenders must require flood insurance, and take others out of one. Leaving Zone A removes the lender requirement but not the risk. The city notes that more than 40% of NFIP claims in Texas come from policyholders in Zone X. If your zone changes, ask your agent how the new map affects your premium before it takes effect.
Residual market: Texas FAIR Plan
The Texas FAIR Plan Association and the TDI FAIR Plan overview explain eligibility and agent submission.
Auto: 30/60/25
TDI lists the Texas minimum of 30/60/25; TxDMV requires proof of insurance to register.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Texas.
Frequently asked questions
Which El Paso County is this?
El Paso County, Texas (FIPS 48141).
Do El Paso homes need flood insurance?
Homeowners policies exclude flood; monsoon runoff can hit areas outside mapped zones, so check the MSC and consider a policy.
What auto liability does Texas require?
At least 30/60/25.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.