8 flood insurance claims·$66,590 paid·2 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Fisher 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.
Flash flooding driven by heavy summer thunderstorms dominates the flood profile of Fisher County, backed by 29 recorded flash flood events alongside 5 general flood events and 1 tropical depression over the last 30 years. Severe weather has repeatedly triggered these conditions, such as in May 2021 when a slow-moving cold front and isolated dryline thunderstorms dropped 2 to 4 inches of rain that flooded several regional roads. Heavy rainfall similarly caused localized flooding across the Big Country in June 2025.
National Flood Insurance Program records show claims filed across multiple zones, indicating that flood risk extends beyond designated high-risk areas. Zone A accounts for 3 claims with an average payout of $27,663 and an average recorded water depth of 30 inches. Additional claims occurred in areas of unknown designation, averaging $3,301 with an average water depth of 1 inch, and unshaded Zone X, averaging $1,360 with an average water depth of 0 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties situated within Zone A due to the potential for significant water depth and financial loss, while keeping in mind that lower-severity flood impacts can also occur in unshaded and unmapped zones during heavy rainfall events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 16 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1980, with 3 claims and $9,570 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
9 NOAA storm reports from Fisher County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
16 federal disaster declarations since 1993, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | May 22, 2016 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 26, 2015 |
| Cooper Mountain Ranch Fire | Apr 11, 2011 |
| Wildfires | Apr 6, 2011 |
| Wildfires | Mar 14, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
35 since 1996: 29 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 8, 2025 | — |
| Flood | May 7, 2023 | — |
| Flood | May 31, 2021 | — |
| Flash Flood | May 31, 2021 | — |
| Flash Flood | May 18, 2021 | — |
| Flash Flood | May 19, 2017 | — |
| Flash Flood | Sep 24, 2016 | — |
| Flash Flood | Apr 16, 2016 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 8, 2025. Thunderstorms producing heavy rainfall resulted in flooding across portions of the Big Country. Also, localized flash flooding was reported on June 11th.
Flood · May 7, 2023. The combination of a well defined surface dryline, weak upper level disturbances, and strong to extreme instability, resulted in scattered afternoon and evening severe thunderstorms across portions of the Big Country and Concho Valley. The severe storms were mainly north and east of a Rotan to Abilene to San Angelo to Cross Plains line. The vertical wind shear was strong enough for most of the storms to become sup…
Flood · May 31, 2021. A slow moving cold front interacted with a very warm and moist airmass across the region and produced very heavy rainfall mainly along and north of I20. About 2 to 4 inches fell mainly along and north of a line from Sterling City to Brownwood and flooded several roads across the region.
Flash Flood · May 31, 2021. A slow moving cold front interacted with a very warm and moist airmass across the region and produced very heavy rainfall mainly along and north of I20. About 2 to 4 inches fell mainly along and north of a line from Sterling City to Brownwood and flooded several roads across the region.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Fisher 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.