Enter any address in Gray County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Gray County. Between 1993 and 2023, NOAA Storm Events data recorded 14 flash flood events and 3 general flood events. Recent examples include flash flooding on April 29, 2025, caused by heavy rainfall ahead of a cold front, and flooding on May 22, 2023, following multiple storms that produced heavy rainfall.
National Flood Insurance Program (NFIP) claims data shows that while Zone A areas have seen fewer claims, Zone X areas have also experienced flooding. One claim in Zone A averaged a payout of $3,656 with an average water depth of 0.0 feet, while one claim in Zone X had a $0 payout but an average water depth of 1.0 foot.
Residents in areas designated as Zone A, as well as those in Zone X who have experienced flooding, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
7 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Gray County, Texas has recorded 17 flood-related events since 1996 according to NOAA's Storm Events Database, including 14 flash floods and 3 river or area floods. The county has received 16 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1970–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Rest Area Fire | Fire | Mar 14, 2025 |
| 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 |
| Mcclellan Fire | Fire | Apr 17, 2018 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 29, 2025 | 1.00K |
| Flash Flood | May 22, 2023 | 0.00K |
| Flash Flood | Jun 4, 2023 | 0.00K |
| Flood | Aug 16, 2021 | 0.00K |
| Flood | Mar 13, 2021 | 0.00K |
| Flood | May 27, 2018 | 0.00K |
| Flash Flood | May 29, 2016 | 0.00K |
| Flash Flood | Aug 28, 2016 | 0.00K |
| Flash Flood | May 23, 2015 | 0.00K |
| Flash Flood | Jul 6, 2015 | 0.00K |
Flash Flood — Apr 29, 2025
A cold front moved through the combined Panhandles early in the morning of April 29th. Storms developed ahead of the front and some produced severe hail and wind. Heavy rainfall led to some flash flooding. As a weather disturbance crossed the region during the afternoon of April 30th, a few storms became strong to severe.
Flash Flood — May 22, 2023
Early in the afternoon on the 22nd, multiple storms developed across the south central to southeastern Texas Panhandle. Some of these storms produced hail up to 1.5 and some heavy rainfall causing flooding in Gray County. Later in the afternoon a supercell developed over Beaver County in the Oklahoma Panhandle with another supercell forming in southwest Kansas before moving into the central and...
Flash Flood — Jun 4, 2023
Multiple rounds of thunderstorms the 2nd through the 4th brought high winds, flooding, and some landspout tornadoes to the combined Panhandles. June 2nd brought high winds and flooding to both the Oklahoma and Texas Panhandle. The moisture continued into the 3rd and 4th but with slower moving storms and residual outflow boundaries from the 2nd storms produced heavy long lasting rainfall, as wel...
Flood — Aug 16, 2021
An upper level low was centered in central Oklahoma within a trough that extended from the Great Lakes to West Texas. The trough combined with abundant monsoonal moisture, modest instability, and wind shear led to scattered strong to severe thunderstorms that developed in the Texas Panhandle during the afternoon hours. Some of these storms produced hail up to 1 inch in diameter and some minor ...
Flood — Mar 13, 2021
A very potent upper level system produced widespread hazards from heavy snow across the front range/Rockies to severe weather across the Southern High Plains. The vigorous closed upper low was approached the Four Corners region from the west. A warm front lifted north and northwest across all but the Oklahoma Panhandle and the northwest Texas Panhandle while a sharpening dryline was located ove...
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 Gray 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 Gray 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.