Enter any address in Baylor County, Texas to see its FEMA flood zone
Flash flooding from heavy rainfall is the dominant flood character in Baylor County. Between 2004 and 2024, NOAA Storm Events data recorded 17 flash flood events and 4 general flood events. Recent examples include significant flooding across the county in June 2024, following multiple rounds of heavy rainfall. Abundant rainfall also produced flooding in September 2016.
While specific flood zone data is limited, National Flood Insurance Program (NFIP) claims show that some flood damage has occurred in areas with an unknown flood zone designation. These claims averaged $1,429 in payouts with an average water depth of 0.0 feet.
Residents living in areas prone to rapid water level increases, particularly those near waterways or in low-lying terrain, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
Baylor County, Texas has recorded 21 flood-related events since 1996 according to NOAA's Storm Events Database, including 17 flash floods and 4 river or area floods. The county has received 19 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1979–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | Sep 10, 2018 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Apr 6, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 16, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 11, 2024 | 0.00K |
| Flash Flood | Sep 24, 2016 | 0.00K |
| Flash Flood | Nov 6, 2016 | 0.00K |
| Flash Flood | Jul 8, 2010 | 0.00K |
| Flash Flood | Jun 28, 2007 | 0.00K |
| Flash Flood | Jun 26, 2007 | 0.00K |
| Flood | Oct 15, 2006 | 0.00K |
| Flash Flood | Aug 16, 2005 | — |
| Flood | Aug 16, 2005 | — |
| Flood | Aug 14, 2005 | — |
Flash Flood — Jun 11, 2024
Multiple rounds of heavy rainfall from the 10th into the morning of the 11th led to urban and river flooding across portions of western-north Texas. The most significant flooding occurred across Knox and Baylor Counties.
Flash Flood — Sep 24, 2016
As a large upper trough moved through and combined with some tropical moisture, abundant rainfall produced flooding across the area on the 24th.
Flash Flood — Nov 6, 2016
Showers and storms associated with a upper low produced some flash flooding in western north Texas. on the morning of the 6th.
Flash Flood — Jul 8, 2010
Moist, tropical air remained in place over northern Texas, with scattered showers and thunderstorms remaining a daily late morning into the afternoon occurrence. A weak boundary stalled close to I-44 by early afternoon. Weak flow aloft did not allow for much movement of any thunderstorm, and with precipitable water values well over two inches, intense rainfall occurred over many areas. Flash fl...
Flash Flood — Jun 28, 2007
Heavy rain continued over parts of northern Texas. Saturated grounds and the heavy rain combined for flooding problems over pars of Archer and Baylor county.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Baylor County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Baylor County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.