FEMA flood zones · Texas

Cottle County, Texas Flood Zone Map

2 federal flood & hurricane disasters

FEMA’s digital flood map shows no high- or moderate-risk zones in Cottle County. That can mean the area was never studied in detail or has no digital map, not that it can’t flood; the county floodplain administrator can say which.

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 Cottle 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.

In their words

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

Federal disasters

19 federal disaster declarations since 1990, 2 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
WildfiresApr 6, 2011
Hurricane AlexJun 30, 2010
WildfiresMar 14, 2008
Severe Storms, Tornadoes, And FloodingJun 16, 2007
Extreme Wildfire ThreatNov 27, 2005

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

Recorded flood events

7 since 1996: 4 flash floods and 2 river or area floods.

EventDateDamage
FloodApr 16, 2016—
FloodOct 6, 2016—
Flash FloodJun 19, 2013—
Tropical DepressionAug 17, 2007—
Flash FloodOct 15, 2006—
Flash FloodSep 10, 2006$75,000
Flash FloodSep 20, 2001$30,000

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

From the storm reports

Flood · Apr 16, 2016. In advance of a slow-moving upper low in the Four Corners, a dryline over the eastern South Plains focused thunderstorm development by early afternoon. As these storms moved northeast and off the Caprock, they intensified with some becoming supercells. These supercells produced copious amounts of severe hail and heavy rainfall that resulted in some flooding. One supercell produced three EF-0 tornadoes from nort…

Flood · Oct 6, 2016. Around 1400 CST, a dryline focused discrete thunderstorm development in the far southeast Texas Panhandle. Very strong instability with mixed layer CAPEs around 3500 J/kg allowed these storms to intensify with supercell structures observed at times. One of these storms produced damaging hail to two inches in diameter in Kirkland (southeast Childress County). Also, periodic training of storms through late evenin…

Flash Flood · Jun 19, 2013. During the morning hours, a complex of thunderstorms propagated slowly southward from the eastern Panhandle into the Rolling Plains. Several of these storms were strong to severe, and one storm produced straight-line wind damage in Quitaque, including lifting the top of the town water tower off. However, the more widespread impact was very heavy rainfall that produced flash flooding over a large chunk of the south…

Tropical Depression · Aug 17, 2007. Tropical Depression Erin, previously a tropical storm during landfall on the middle Texas coast early on the 16th, brought large amounts of rain to portions of west Texas. This rain fell primarily on the 17th and 18th of August on the South Plains and Rolling Plains before the system moved northeastward over Oklahoma. ||Erin maintained a defined circulation well after making landfall, and even strengthened signifi…

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 Cottle County

If a building in Cottle 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.