FEMA flood zones · Texas

Coke County, Texas Flood Zone Map

3 federal flood & hurricane disasters

Less than 1% of Coke 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 Coke 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 Coke County floods

Flash flooding from heavy rainfall events dominates the flood risk profile in Coke County, Texas, supported by numerous recorded flash flood and river flood events over the past three decades.

Historical events demonstrate the severe impact of heavy rain systems across the region. In October 2018, an upper-level low-pressure system dropped heavy rain over multiple days, causing widespread flooding, rivers to rise above flood stage, and millions of dollars in damage to roads and county infrastructure, while Johnson Fork Creek overflowed its banks. Earlier, in August 2018, over five inches of heavy rain fell during a single morning, resulting in flooding on county and ranch roads southwest of Silver.

Residents living near creeks, rivers, and county or ranch roads prone to inundation from intense rainfall should pay the closest attention to local flood risks.

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

In their words

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

Federal disasters

17 federal disaster declarations since 1993, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Straight-line Winds, And FloodingJul 2, 2025
Severe Storms, Straight-line Winds, Tornadoes, And FloodingApr 26, 2024
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
Wildcat FireApr 11, 2011
WildfiresApr 6, 2011
WildfiresMar 14, 2008
Silver FireFeb 25, 2008

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

Recorded flood events

18 since 1996: 14 flash floods and 3 river or area floods.

EventDateDamage
FloodOct 16, 2018—
Flash FloodAug 13, 2018—
Tropical DepressionAug 16, 2007—
Flash FloodMay 6, 2007—
Flash FloodAug 15, 2005—
FloodAug 14, 2005—
Flash FloodJun 13, 2003$10,000
Flash FloodJun 7, 2003—

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

From the storm reports

Flood · Oct 16, 2018. An upper level low pressure system remained park across Baja California through October 17. This feature interacted with plenty of moisture and resulted in periods of very heavy rain from October 15 through the 17. ||Widespread flooding developed across the area and many lakes and rivers rose above flood stage and resulted in widespread flooding. Millions of dollars of damage was done to roads and county infras…

Flash Flood · Aug 13, 2018. Over five inches of heavy rain fell during the morning of August 13. This resulted in flooding of county and ranch roads just southwest of the town of Silver.

Tropical Depression · Aug 16, 2007. The remnants of Tropical Depression Erin slowly moved through West Central Texas, dropping around 3 to 7 inches of rain across a large portion of the area. Over 9 inches of rain fell near the small town of Roby, TX and rural areas of southeastern Crockett County. Wind gusts to 42 knots (48 mph) and a minimum sea-level pressure of 1007 mb were reported at Junction. Flash flooding closed many roads and caused one fa…

Flash Flood · May 6, 2007. Severe thunderstorms developed across the southern Big Country during the afternoon and slowly propagated to the southwest. These thunderstorms produced brief tornadoes, large hail and very heavy rain as they moved through the Concho Valley and into the Northern Edwards Plateau. The thunderstorms continued through much of the night causing heavy rains across Sutton, Concho, Menard and McCulloch counties. The heavy…

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 Coke County

If a building in Coke 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.