FEMA flood zones · Texas

Floyd County, Texas Flood Zone Map

2 federal flood & hurricane disasters

Less than 1% of Floyd 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 Floyd 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 Floyd County floods

Flash flooding and general flooding from slow-moving thunderstorms and heavy rainfall dominate the flood risk in Floyd County. Over the last 30 years, the NOAA Storm Events Database has recorded 10 flash flood events and 8 flood events.

Heavy rainfall events frequently impact the region. For example, in October 2018, saturated soils from previous storms combined with up to two inches of additional rainfall to cause widespread flooding in poor drainage areas. Similarly, in April 2016, slow-moving thunderstorms produced heavy rainfall that resulted in localized flooding across the area.

Property owners and real estate professionals should evaluate risk based on local drainage conditions, as repetitive heavy rainfall and saturated soils routinely cause temporary flooding in poor drainage areas throughout the county.

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

In their words

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

Federal disasters

16 federal disaster declarations since 1992, 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
Hurricane AlexJun 30, 2010
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005
Hurricane RitaSep 23, 2005
Hurricane Katrina EvacuationAug 29, 2005

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

Recorded flood events

18 since 1996: 10 flash floods and 8 river or area floods.

EventDateDamage
FloodOct 8, 2018—
FloodApr 16, 2016—
FloodApr 22, 2015—
FloodJul 6, 2015—
FloodMay 26, 2014—
Flash FloodJul 11, 2011—
Flash FloodJun 27, 2010—
FloodApr 16, 2010$25,000

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

From the storm reports

Flood · Oct 8, 2018. Early morning showers and thunderstorms across much of the South Plains were followed by additional rounds of heavy rainfall through midday. The latter rounds of rain were focused near and just east of the Interstate 27 and US Highway 87 corridor where as much as two inches of rain fell on top of soils that were already saturated from heavy rains that fell just three days earlier. The result was widespread floodi…

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 · Apr 22, 2015. Early this morning, a series of outflow boundaries moved south across the southern Texas Panhandle and much of the Rolling Plains. The most organized of these boundaries would eventually retreat north before stalling from near Hereford (Deaf Smith County, WFO AMA) southeast to Paducah (Cottle County). This boundary provided the focus for an intense and long-lived supercell that developed west of Hereford by mid-af…

Flood · Jul 6, 2015. Multiple rounds of late-day thunderstorms developed across the South Plains and southern Texas Panhandle on the sixth followed by additional bouts through the pre-dawn hours of the seventh. These storms drifted slowly eastward, many with swaths of one to two inches of rainfall with each round. Storm total rain amounts were estimated around four inches in some parts of Crosby, Garza and Childress Counties before da…

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 Floyd County

If a building in Floyd 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.