FEMA flood zones · Texas

Knox County, Texas Flood Zone Map

2 federal flood & hurricane disasters

FEMA’s digital flood map shows no high- or moderate-risk zones in Knox County. That can mean the area was never studied in detail or has no digital map, not that it can’t flood; the county floodplain administrator can say which.

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 Knox 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.

How Knox County floods

Flash flooding from severe weather events dominates the flood risk profile in Knox County, Texas, supported by 17 recorded flash flood events compared to 10 general flood events over the last 30 years.

Recent weather patterns illustrate this severe storm hazard. In May 2023, repeated rounds of heavy rainfall caused flash flooding across portions of the county. More recently, in June 2024, multiple rounds of heavy rainfall from the 10th into the morning of the 11th led to significant urban and river flooding across Knox and Baylor Counties.

Homeowners, real estate agents, and journalists should pay the closest attention to properties in low-lying areas, locations prone to rapid surface runoff, and urban sites susceptible to intense rainfall accumulation during severe weather outbreaks.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

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

Federal disasters

17 federal disaster declarations since 1989, 2 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
Severe Storms And FloodingSep 10, 2018
Severe Winter Storms, Tornadoes, Straight-line Winds, And FloodingDec 26, 2015
Swenson FireApr 6, 2011
WildfiresApr 6, 2011
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005

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

Recorded flood events

27 since 1996: 17 flash floods and 10 river or area floods.

EventDateDamage
Flash FloodApr 27, 2024$20,000
FloodJun 11, 2024—
Flash FloodMay 7, 2023$10,000
Flash FloodMay 7, 2023—
Flash FloodSep 21, 2018—
FloodMay 23, 2015—
Flash FloodJul 9, 2010—
FloodOct 16, 2006—

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

From the storm reports

Flash Flood · Apr 27, 2024. A widespread, long-duration and historic severe weather and tornado outbreak occurred from the late morning through late evening on the 27th. In all, 32 tornadoes affected portions of the WFO Norman Forecast Area, the third most in a single day during the period of reliable record. This included six significant (EF-2+) tornadoes and one violent (EF-4) tornado that struck Marietta (Love County). ||Synoptically, a s…

Flood · Jun 11, 2024. Multiple rounds of heavy rainfall from the 10th into the morning of the 11th led to urban and river flooding across portions of western-north Texas. The most significant flooding occurred across Knox and Baylor Counties.

Flash Flood · May 7, 2023. A subtle/low-amplitude trough helped to trigger scattered strong to severe storms across western-north Texas/far southwest Oklahoma on the 7th. A few reports of damaging wind and large hail were noted. Repeated rounds of heavy rainfall across portions of Knox County, Texas lead to reports of flash flooding.

Flash Flood · Sep 21, 2018. Abundant moisture from the gulf and a remnant tropical system converged with a front coming in from northwest early on the morning of the 21st resulting in widespread heavy rain and numerous reports of flash flooding across central and south central Oklahoma and western north Texas through the day.

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 Knox County

If a building in Knox 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.