FEMA flood zones · Texas

Hemphill County, Texas Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Hemphill 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 Hemphill 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.

In their words

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

Federal disasters

14 federal disaster declarations since 1998, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Smokehouse Creek FireFeb 27, 2024
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
WildfiresApr 6, 2011
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

10 since 1996: 7 flash floods and 3 river or area floods.

EventDateDamage
FloodNov 8, 2024$8,000
Flash FloodMar 13, 2021$5,000
FloodMay 23, 2018—
Flash FloodMay 27, 2015—
FloodJun 23, 2014— · 2 killed
Flash FloodJun 8, 2008—
Flash FloodJun 13, 2003$125,000
Flash FloodMay 19, 2001—

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

From the storm reports

Flood · Nov 8, 2024. A storm system developed strengthened across the southern Rockies where it slowed down during the evening of November 6th. A cold front moved into the northwest Panhandles but stalled out, persisting throughout the event. This front allowed for snow to fall in parts of the northwest Panhandles while the rest of the Panhandles to the south and east stayed mostly a cold rain. Seasonably rich moisture was brought in…

Flash 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 over eastern New Mexico…

Flood · May 23, 2018. Theta-e ridge axis coupled with a surface boundary leftover across the region helped to trigger thunderstorms across the region. 00Z RAOB data on the 24th showed an abundant of surface moisture with PWAT values over 1 inch and relatively weak surface and mid level flow. As a result, as diurnal convection developed, storms become multi-cell/linear and with them being slow moving in nature, flash flooding was a conc…

Flash Flood · May 27, 2015. Slow moving supercell thunderstorms brought heavy rain and flooding to two sections of the Texas Panhandle. One was near Canadian where water covered Highway 83 resulting in it's closure for a period on the evening of the 27th. The other area was in Armstrong County where some roads were closed.

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 Hemphill County

If a building in Hemphill 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.