Enter any address in Hill County, Texas to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character of Hill County. Between 2000 and 2020, NOAA Storm Events data recorded 54 flash flood events and 8 general flood events. Recent examples include flash flooding in July 2025, driven by multiple rounds of showers and thunderstorms influenced by atmospheric conditions that enhanced precipitation. Similar conditions in June 2025 also led to flash flooding across the region.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A, typically areas of higher flood risk, have seen 16 claims with an average payout of $4,861 and an average water depth of 0.6 feet. Properties in Zone X, generally considered moderate to low flood risk, have had 9 claims with a higher average payout of $34,928, despite an average water depth of 0.4 feet. Homeowners in Zone A, as well as those in Zone X who have experienced claims, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
16 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Hill County, Texas has recorded 62 flood-related events since 1996 according to NOAA's Storm Events Database, including 54 flash floods and 8 river or area floods. The county has received 25 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| 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 And Flooding | Flood | Sep 10, 2018 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Oct 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Aug 30, 2011 |
| Hurricane Ike | Hurricane | Sep 7, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jun 11, 2025 | 1.00K |
| Flash Flood | Jun 11, 2025 | 5.00K |
| Flash Flood | Apr 28, 2024 | 200.00K |
| Flash Flood | Dec 26, 2024 | 1.00K |
| Flash Flood | Jun 5, 2024 | 10.00K |
| Flash Flood | Nov 4, 2024 | 0.00K |
| Flash Flood | Jun 2, 2024 | 10.00K |
| Flash Flood | Jun 2, 2024 | 5.00K |
| Flash Flood | Apr 10, 2017 | 0.00K |
Flash Flood — Jul 14, 2025
Several rounds of showers and thunderstorms occurred the weekend of July 12, influenced by remnant outflow boundaries, a stalled front, and a slow-moving upper low. A mesoscale convective vortex (MCV) further enhanced precipitation totals and rain rates, resulting in flash flooding primarily across Central Texas.
Flash Flood — Jun 11, 2025
An upper level low and remnant MCVs produced several rounds of heavy rain and training storms that produced flash flooding for a few day across the region, mainly across Central Texas.
Flash Flood — Apr 28, 2024
A shortwave trough, dryline, and Pacific front all worked together to produce multiple rounds of thunderstorms Friday April 26 through Sunday April 28. All modes of severe weather took place across the region, along with multiple instances of flash flooding. 11 tornadoes occurred across McLennan, Hill, and Navarro counties on April 26th, and another 4 tornadoes occurred in Milam, Limestone and ...
Flash Flood — Dec 26, 2024
A meandering surface front provided a focus for thunderstorm development as a shortwave trough worked its way east through North and Central Texas on December 26. A few storms produced hail and localized flash flooding.
Flash Flood — Jun 5, 2024
An MCS moved out of Oklahoma and across roughly the eastern half of the region. Some minor wind damage occurred across North Texas but flooding of roads was the main impact from this event.
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 Hill 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 Hill 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.