Water Risk Profile — ZIP 78043
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
medium-high
Cost Range
$1,700–$9,000
Avg Response
48 min
NFIP
State participates
Local Climate & Risk Factors
Laredo sits on the Rio Grande at the US-Mexico border, creating a unique flood dynamic — both local flash flooding from intense rain events on impermeable caliche soil and Rio Grande level rises from upstream rainfall (including Mexico) can affect the city. The International Bridge area and lower-lying colonias adjacent to the river have significant flood exposure. Extreme summer heat (108°F+) is among the highest sustained temperatures in Texas, stressing AC systems and causing condensate overflow. Spanish Colonial architecture common in historic Laredo features flat roofs that pool water and experience chronic leak issues.
Flood-prone areas: Historic downtown and Laredo Heights near the river have highest flood risk. Del Mar and north Laredo are higher elevation with lower flood risk. International trade corridor properties have commercial building stock with different risk profiles.
Water Category Cost Table — Laredo, TX
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.89–$7.31 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $7.31–$8.85 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $10.4–$13.2 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Laredo market (3.4–12/sq ft range).