Wimberley is a Hill Country city in western Hays County, northwest of San Marcos, where the Blanco River and Cypress Creek meet. Homes here sit on limestone hillsides, along the rivers, and on rural acreage, and many have standing-seam or exposed-fastener metal roofs, decks, barns, and outbuildings. If you need a public adjuster in Wimberley, TX, San Marcos Public Adjuster helps property owners document and present claims for flood-related, hail, wind, tornado, and freeze damage.
We serve Wimberley as part of San Marcos, Hays County, and the surrounding Central Texas communities, and we come to the property for every inspection.
Wimberley flood history on the Blanco River
Few places in Texas know flash flooding the way Wimberley does. The region sits in “Flash Flood Alley” along the Balcones Escarpment, and the Blanco River can rise faster than almost anyone expects.
- Memorial Day flood, May 23–24, 2015. According to the National Weather Service, the Blanco River at Wimberley rose from about 5 feet to about 41 feet in roughly four hours, at one point climbing 5 feet every 15 minutes. The NWS issued a Flash Flood Emergency for Wimberley, and NOAA notes that the Fischer Store Rd. bridge was destroyed. FEMA declared a major disaster that included Hays County (DR-4223).
- Halloween flood, October 30–31, 2013. A narrow band of 12 to 14 inches fell from Wimberley to Driftwood, and observers reported 12.45 to 14.01 inches in 24 hours (FEMA DR-4159).
- October 30, 2015. More than 10 inches of rain sent water over the Hwy 12 bridge at Cypress Creek, and several downtown businesses along the creek were flooded and damaged.
Flood damage is where Wimberley claims most often go wrong, because two different policies may be involved. A homeowners or commercial policy generally excludes flood, while an NFIP or private flood policy covers it under its own rules and limits. Our flood damage claims page explains the differences.
Hail, wind, and tornadoes around Wimberley
Wimberley is also exposed to severe thunderstorms. Recent NOAA records include:
| Date | Event |
|---|---|
| February 19, 2017 | EF1 tornado starting near RR 12 and Hugo Rd., where a small business had considerable structural damage |
| May 9, 2024 | 2.5-inch hail northeast and northwest of Wimberley, and 70 mph gusts that blew down trees and power lines between Wimberley and San Marcos |
| June 12, 2025 | Two EF0 tornadoes south of Wimberley; the NWS survey found tree damage and minor structural damage along Cielo Ranch Rd., with maximum winds near 80 mph |
Ice is another Hill Country hazard. The January 30 – February 2, 2023 storm left about 0.38 inches of ice in Wimberley Ice-laden limbs over a roof are a common source of damage in storms like that. Search our storm lookup tool for reports close to your property.
Claim issues specific to Wimberley properties
- Metal roofs. Hail can dent standing-seam and exposed-fastener panels without causing leaks. Whether that is covered may hinge on a cosmetic damage exclusion. See hail damage claims.
- Trees on structures. Mature trees close to homes mean wind claims often involve tree impact, debris removal, and the limits that apply to each. See wind damage claims.
- Other structures. Barns, detached garages, workshops, and fences are usually covered under a separate, lower limit. Check your declarations page.
- Rental and guest properties. A cabin or home used as a rental may be insured under a landlord, dwelling, or commercial form rather than a standard homeowners policy, which changes what is covered.
- Mixed-cause losses. When wind, falling trees, and rising water all hit the same storm, each cause has to be documented on its own so the right policy responds.
Handling a flood claim and a homeowners claim together
After a Hill Country flood, many Wimberley property owners end up with two claims: a flood claim for rising water and a homeowners or commercial claim for wind, tree, or roof damage from the same storm. Each policy has its own adjuster, deductible, limits, and paperwork, and each insurer may point to the other. Clear photos of the high-water line, separate documentation of wind and tree damage, and a contents inventory make it easier to show which loss belongs where. San Marcos Public Adjuster can help organize both sides of the loss, and you can learn more about how these claims work on our storm damage claims page.
Permits in Wimberley and unincorporated Hays County
The City of Wimberley has its own permit office, separate from San Marcos. Check with the city before roof replacement, structural work, or rebuilding after a flood. Many homes with a Wimberley address are outside city limits, in unincorporated Hays County. The county does not issue residential building permits there, but it does regulate septic (OSSF), development, and floodplain matters, which can affect flood-damaged homes. Whether your insurer pays for code-related costs depends on your ordinance or law coverage; our building codes guide explains more.
How we help Wimberley property owners
As a San Marcos public adjuster serving the Hill Country, we work only for policyholders. We inspect the full property, including outbuildings and fencing, separate damage by cause, review your policies, and prepare a detailed estimate to compare against the insurer’s. If your claim has been denied or underpaid, we can review it with you. We cannot promise a specific outcome; coverage depends on your policy and the facts.
Start with a Free Claim Review or call +1 (832) 503-5866 to talk through your Wimberley claim.
Frequently Asked Questions
Do you handle claims in Wimberley?
Yes. Wimberley is in Hays County, northwest of San Marcos in the Hill Country, and we serve homeowners and business owners there. We come to the property; we do not keep a Wimberley office.
My home near the Blanco River flooded. Will my homeowners policy pay?
Usually not for the flood itself. Standard homeowners and commercial policies exclude flood, including river and creek overflow. Flood coverage comes from an NFIP or private flood policy. If wind or a falling tree also damaged the home, that part of the loss may fall under your homeowners policy, so document each type of damage separately.
Hail dented my metal roof but it does not leak. Is that covered?
It depends on your policy. Some policies cover any physical hail damage to metal roofing, while others have a cosmetic damage exclusion that limits coverage to damage that affects how the roof works. Read your policy and endorsements, and photograph the dents with a measuring reference.
Who handles building permits in Wimberley?
The City of Wimberley has its own permit office. Many Wimberley-area properties are outside city limits in unincorporated Hays County, where the county does not issue residential building permits but does regulate septic, development, and floodplain matters. Confirm which applies before repairs.
How are public adjuster fees set?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. You may rescind the contract within 72 hours of signing.