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FEMA flood zones · Texas

Loving County, Texas Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Loving 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 Loving 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

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

Federal disasters

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

DisasterBegan
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005
Hurricane RitaSep 23, 2005
Hurricane Katrina EvacuationAug 29, 2005
Extreme Fire HazardsAug 1, 1999
Tropical Storm CharleyAug 22, 1998

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

Recorded flood events

12 since 1996: 12 flash floods.

EventDateDamage
Flash FloodSep 21, 2014$300
Flash FloodSep 20, 2014$500
Flash FloodSep 20, 2014$2,000
Flash FloodSep 19, 2014$1,000
Flash FloodJul 30, 2009—
Flash FloodOct 13, 2008—
Flash FloodAug 14, 2005—
Flash FloodSep 26, 2004—

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

From the storm reports

Flash Flood · Sep 21, 2014. The remnants of Tropical Storm Odile and an associated mid-level circulation were still over the region. The airmass was very moist, and lift was enhanced by upslope low-level winds across southeast New Mexico and the higher terrain of West Texas. These conditions resulted in rain and thunderstorms across the area, and flash flooding continued as moderate to heavy rain moved over areas with previously saturated…

Flash Flood · Sep 20, 2014. Remains of Tropical Storm Odile were over the region. The atmosphere was very moist and there was a mid-level circulation over northern portions of the area. There were nocturnal low level winds that produced additional lift which aided in more rain and thunderstorms developing. The saturated ground from previous rains allowed for flash flooding to develop across West Texas and southeast New Mexico when additio…

Flash Flood · Sep 20, 2014. The remains of Tropical Storm Odile were moving across the region as they rotated around the circulation of an upper ridge. A circulation was also located over the central Permian Basin which was allowing rain to move across the same areas. There was plentiful moisture across the area from Odile as well as from tropical storm Polo. Good upper level lift was also present from Odile. Heating from breaks in the c…

Flash Flood · Sep 19, 2014. The remains of Tropical Storm Odile were moving across the region as they rotated around the circulation of an upper ridge. A circulation was also located over the central Permian Basin which was allowing rain to move across the same areas. There was plentiful moisture across the area from Odile as well as from tropical storm Polo. Good upper level lift was also present from Odile. Heating from breaks in the c…

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 Loving County

If a building in Loving 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.