FEMA flood zones · Texas

Borden County, Texas Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Borden County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Borden County, Texas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How Borden County floods

Flash flooding from slow-moving thunderstorms and heavy rainfall systems dominates the flood risk in Borden County. Over the last 30 years, NOAA records show 21 flash flood events compared to 1 flood event.

Recent historic events illustrate this pattern. In May 2015, an upper-level disturbance combined with abundant moisture, a dryline, and outflow boundaries to produce slow-moving thunderstorms that caused flash flooding across the area. More recently, in September 2024, a slow-moving upper-level low interacting with a stationary frontal boundary and a tropical airmass generated repeated rounds of moderate to heavy rainfall, resulting in significant flash flooding.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in low-lying areas, near small streams and creeks, and in locations prone to rapid surface water accumulation during severe convective storms.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

4 NOAA storm reports from Borden County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →

Federal disasters

15 federal disaster declarations since 1992, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
Severe Winter Storms, Tornadoes, Straight-line Winds, And FloodingDec 26, 2015
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005
Hurricane RitaSep 23, 2005
Hurricane Katrina EvacuationAug 29, 2005
Severe Winter Ice StormDec 12, 2000

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

22 since 1996: 21 flash floods and 1 river or area floods.

EventDateDamage
Flash FloodSep 2, 2024$75,000
Flash FloodJul 7, 2015—
Flash FloodMay 5, 2015$500
Flash FloodMay 5, 2015$1,000
Flash FloodSep 21, 2014$500
Flash FloodSep 21, 2014$5,000
FloodSep 20, 2014$1,000
Flash FloodSep 20, 2014$200

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Sep 2, 2024. A slow-moving upper-level low pressure over a stationary frontal boundary helped to generate widespread showers and thunderstorms across the region. Repeated rounds of moderate to heavy rainfall within a tropical airmass caused significant flash flooding across many Permian Basin and Southeast New Mexico areas.

Flash Flood · Jul 7, 2015. A weak cold front was bisecting the Permian Basin from northeast to southwest and a very slow moving upper level trough was over West Texas. These conditions, along with abundant moisture, resulted in storms that produced high rainfall rates and flash flooding across the northeastern Permian Basin.

Flash Flood · May 5, 2015. An upper level low was over Arizona and New Mexico, and an upper level disturbance associated with this low moved over West Texas. A dryline was present across the Permian Basin with good moisture and instability to the east of this feature. There were outflow boundaries left over from convection across the area during the morning hours that aided in thunderstorm and tornado development during the afternoon and…

Flash Flood · May 5, 2015. An upper level trough was to the west of the region as an upper level disturbance moved over the area. The atmosphere was unstable with upslope winds and plentiful moisture across the area. These conditions allowed for storms to develop with large hail and flash flooding. Storms were aided after sunset by an area of strong winds aloft that helped bring in moisture and contribute to lift.

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Borden County

If a building in Borden County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.