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FEMA flood zones · Texas

Hardeman County, Texas Flood Zone Map

1 federal flood & hurricane disasters

1% of Hardeman 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 Hardeman 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.

Federal disasters

16 federal disaster declarations since 1993, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
Copper Breaks FireAug 16, 2019
Severe Winter Storms, Tornadoes, Straight-line Winds, And FloodingDec 26, 2015
WildfiresApr 6, 2011
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005
Hurricane RitaSep 23, 2005

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

Recorded flood events

8 since 1996: 6 flash floods and 2 river or area floods.

EventDateDamage
Flash FloodMay 23, 2015—
Flash FloodJul 8, 2010—
Flash FloodSep 9, 2007—
FloodOct 16, 2006—
FloodOct 15, 2006—
Flash FloodApr 30, 2000—

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

From the storm reports

Flash Flood · May 23, 2015. Another round of severe storms and flooding pummeled the Southern Plains on the 23rd.

Flash Flood · Jul 8, 2010. Moist, tropical air remained in place over northern Texas, with scattered showers and thunderstorms remaining a daily late morning into the afternoon occurrence. A weak boundary stalled close to I-44 by early afternoon. Weak flow aloft did not allow for much movement of any thunderstorm, and with precipitable water values well over two inches, intense rainfall occurred over many areas. Flash flooding occurred over…

Flash Flood · Sep 9, 2007. Thunderstorms with very heavy rain affected parts of north Texas. Thunderstorms developed over southwest Oklahoma and moved southeast into western north Texas. The slow movement of the thunderstorms and very efficient rainfall rates allowed for flash flooding to occur. Rainfall rates of 2 to 3 inches per hour caused numerous streets to be closed due to rapidly rising water. No damage was reported with the flooding…

Flood · Oct 16, 2006. A strong, slow-moving storm system drenched western north Texas with rainfall amounts of 3 to 8+ inches during a two-day period on October 14-16. The heavy rains produced flash flooding in northwestern Wichita County on October 15, and river flooding along several rivers and creeks in the region on October 15-19 including the Red River mainstem.

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 Hardeman County

If a building in Hardeman 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.