Enter any address in Harrison County, Texas to see its FEMA flood zone
Flash flooding from heavy rainfall events is the most frequent type of flooding in Harrison County, TX, with 83 such events recorded in the last 30 years. For example, on May 1, 2025, and April 30, 2025, showers and thunderstorms produced widespread rainfall of 2-5+ inches, leading to continued instances of flash flooding, particularly along the I-20 corridor.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the highest number of claims (130) with an average payout of $26,766 and an average water depth of 6.2 feet. Zone X_UNSHADED also shows a significant number of claims (49) with an average payout of $16,264 and an average water depth of 3.6 feet. Residents in Zone A and Zone X_UNSHADED, as well as those in properties without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
55 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Harrison County, Texas has recorded 92 flood-related events since 1996 according to NOAA's Storm Events Database, including 83 flash floods and 7 river or area floods. The county has received 28 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1966–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Beryl | Hurricane | Jul 5, 2024 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Tropical Storms Marco And Laura | Hurricane | Aug 23, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | Apr 17, 2016 |
| Severe Storms, Tornadoes, And Flooding | Flood | Mar 7, 2016 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flash Flood | Nov 24, 2025 | 0.00K |
| Flash Flood | Jun 11, 2025 | 0.00K |
| Flash Flood | May 1, 2025 | 0.00K |
| Flash Flood | Jan 23, 2024 | 0.00K |
| Flash Flood | Apr 9, 2024 | 0.00K |
| Flash Flood | Apr 8, 2024 | 0.00K |
| Flash Flood | Jun 3, 2024 | 0.00K |
| Flash Flood | Jul 6, 2023 | 0.00K |
| Flash Flood | Mar 22, 2022 | 0.00K |
Flash Flood — Apr 30, 2025
A weak cold front slowly advanced southeast into portions of Northeast Texas, Southeast Oklahoma, into Western Arkansas and Southern Missouri on April 30th, and focused a warm, very moist, and unstable air mass in place across much of East Texas, North Louisiana, and Southwest Arkansas during the afternoon through the evening hours. Meanwhile, an upper low pressure area ejected northeast from ...
Flash Flood — Nov 24, 2025
A mature linear thunderstorm complex developed across the Middle Red River Valley on November 24th and extended from Southwest Arkansas south-southwestward into East Texas and Northwest Louisiana. This thunderstorm complex was slow in its forward propagation eastward while producing areas of 0.5-1 inch/hour rain rates. An outflow boundary from this activity also extended farther westward from L...
Flash Flood — Jun 11, 2025
Numerous thunderstorms developed along and ahead of a persistent MCS in East Texas during the afternoon of June 11th. Thunderstorms began training ahead of the MCS, and the overlapping segments of heavy rainfall resulted in scattered flash flooding across parts of Smith County and Harrison County. Hourly rainfall rates within this activity were estimated at nearly 3 inches per hour. The uptick ...
Flash Flood — May 1, 2025
Showers and thunderstorms, some of which contained heavy rainfall, continued from the evening hours on April 30th through the early morning hours of May 1st, along and ahead of a weak cold front that slowly advanced southeast into portions of East Texas and Southern Arkansas. Widespread rainfall amounts of 2-5+ inches fell from April 30th through the early morning hours of May 1st generally alo...
Flash Flood — Jan 23, 2024
A deep upper-level trough axis became entrenched across the western U.S. early on January 23rd into the 24th, enhancing a deep southwesterly flow pattern across the Middle Red River Valley. Multiple disturbances aloft ejected northeast within the southwesterly flow and combined with a stalled surface frontal boundary to provide a nearly ideal environment for heavy rainfall across the Ark-La-Tex...
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 Harrison 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 Harrison 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.