Enter any address in Madison County, Texas to see its FEMA flood zone
Flash flooding from severe thunderstorms is the dominant flood character in Madison County. Between 2004 and 2024, NOAA Storm Events data recorded 28 flash flood events, alongside 4 general flood events and 3 tropical storms. Recent examples include widespread flash flooding reported on April 28, 2024, and May 16, 2024, associated with severe weather systems.
National Flood Insurance Program (NFIP) claims data shows that both Zone A and Zone X areas have experienced flood damage. Zone A properties had an average of 10 claims with an average payout of $14,955 and an average water depth of 1.8 feet. Zone X areas saw 10 claims with a higher average payout of $23,296 and an average water depth of 1.6 feet. Properties in Zone UNKNOWN also had claims.
Residents in all flood zones should be aware of potential risks. Those in Zone A, which typically represents areas of higher flood risk, and Zone X, which can still experience significant damage, should pay close attention to flood advisories and consider appropriate mitigation measures.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Madison County, Texas has recorded 35 flood-related events since 1996 according to NOAA's Storm Events Database, including 28 flash floods and 4 river or area floods. The county has received 27 federal disaster declarations, 7 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1987–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Beryl | Hurricane | Jul 5, 2024 |
| 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 |
| 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 | Sep 10, 2018 |
| Hurricane Harvey | Hurricane | Aug 23, 2017 |
| Severe Storms And Flooding | Flood | May 22, 2016 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 28, 2024 | 0.00K |
| Flash Flood | May 16, 2024 | 0.00K |
| Flood | May 1, 2024 | 3.50M |
| Flash Flood | Jul 12, 2021 | 0.00K |
| Flash Flood | Apr 24, 2019 | 0.00K |
| Flash Flood | Oct 13, 2018 | 0.00K |
| Flash Flood | Aug 28, 2017 | 0.00K |
| Tropical Storm | Aug 25, 2017 | 80.00M |
| Flash Flood | May 26, 2016 | 100.00K |
| Flash Flood | May 25, 2015 | 0.00K |
Flash Flood — Apr 28, 2024
Evening through overnight storms produced a lot of flash flooding, a couple tornadoes, some winds damage and some hail.
Flash Flood — May 16, 2024
On the evening of May 16, a derecho moved into SE TX. This resulted in extensive wind damage across much of the Greater Houston area, including much of Downtown Houston. Maximum wind gusts were estimated to have reached over 100 mph. Additionally, the system produced two tornadoes and widespread flash flooding. Power outages resulting from the derecho lasted multiple days for hundreds of thousa...
Flood — May 1, 2024
A series of wind and heavy rain events hit the area in late April and early May leading to significant damages. These entries include cumulative dollar damage estimates primarily from the flood events as reported by the counties.
Flash Flood — Jul 12, 2021
Heavy rainfall from thunderstorms resulted in widespread street flooding in Madison County.
Flash Flood — Apr 24, 2019
Clustering storm cells produced a tornado, large hail and some flash flooding.
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 Madison 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 Madison 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.