Enter any address in Garza County, Texas to see its FEMA flood zone
Flash flooding from severe thunderstorms is the primary flood hazard in Garza County. Over the past 30 years, NOAA Storm Events data shows 21 flash flood events, alongside 7 general flood events and 1 tropical depression. Recent examples include heavy rainfall and flash flooding on June 1, 2023, and August 31, 2022, which inundated roadways and disrupted traffic.
While flood insurance claims are infrequent, one NFIP claim in Zone A averaged a payout of $11,853 with an average water depth of 0.0 feet. Residents in areas prone to flash flooding, particularly those located in Zone A or without a confirmed Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Garza County, Texas has recorded 29 flood-related events since 1996 according to NOAA's Storm Events Database, including 21 flash floods and 7 river or area floods. The county has received 17 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1992–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Apr 6, 2011 |
| Hurricane Alex | Hurricane | Jun 30, 2010 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 29, 2025 | 0.00K |
| Flash Flood | Apr 24, 2025 | 0.00K |
| Flash Flood | Jun 1, 2023 | 0.00K |
| Flash Flood | Aug 31, 2022 | 0.00K |
| Flash Flood | Jun 28, 2021 | 0.00K |
| Flash Flood | May 23, 2020 | 0.00K |
| Flood | Jun 4, 2020 | 10.00K |
| Flood | Apr 5, 2019 | 0.00K |
| Flood | Jul 7, 2015 | 0.00K |
| Flood | May 4, 2015 | 250.00K |
Flash Flood — Apr 29, 2025
A cold front moved into the South Plains region on the afternoon of the 29th which fueled severe thunderstorm development along with flash flooding produced by heavy rainfall. A large upper level storm system was moving southeastward into western New Mexico with a weak short wave trough moving over West Texas. Lift from these features combined with the southward moving cold front to initiate th...
Flash Flood — Apr 24, 2025
Another day of widespread severe thunderstorms occurred on the afternoon and evening hours of the 24th. Persistent but weak southwesterly flow aloft increased on the 24th which allowed supercell thunderstorms to produce giant hail. Increased low level southeasterly winds also allowed these thunderstorms to produce numerous tornadoes. Thunderstorms initially developed late in the afternoon along...
Flash Flood — Jun 1, 2023
Rich moisture, a weak upper level disturbance, and several low-level boundaries worked in concert to bring torrential rainfall to portions of the south-central and southeastern South Plains on the first. One of the primary factors, in addition to the plentiful moisture, was a low-level boundary, originating from thunderstorm activity that affected the Texas Panhandle the previous evening into t...
Flash Flood — Aug 31, 2022
An upper level storm system became nearly stationary, centered close to El Paso, which allowed extremely moist air to continue to be pumped up into West Texas on the 31st. The near record moisture levels, along with the nearby upper level low, and weak daytime heating, initiated a round of westward-moving showers and thunderstorms that dumped torrential rain in spots adding to the already satur...
Flash Flood — Jun 28, 2021
A tropical like atmosphere continued to remain over the region on the 28th which was able to produce showers that were efficient rainfall producers. On the morning of the 28th, heavy rain showers repeatedly trained over the eastern half of Garza County causing flash flooding in and around Lake Alan Henry (Garza County). The Texas Tech University West Texas mesonet site at Lake Alan Henry measur...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Garza County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Garza County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.