FEMA flood zones · Texas

Marion County, Texas Flood Zone Map

46 flood insurance claims·$689,545 paid·6 federal flood & hurricane disasters

2% of Marion 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 Marion 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.

Where the flood claims came from

65% of Marion County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

23 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 8 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2001, with 10 claims and $97,302 paid.

1979: 1 claims1987: 1 claims1990: 3 claims1991: 3 claims1997: 3 claims2000: 1 claims2001: 10 claims2004: 1 claims2007: 2 claims2008: 1 claims2009: 4 claims2016: 9 claims2018: 1 claims2019: 4 claims2021: 1 claims2025: 1 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

In their words

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

Federal disasters

22 federal disaster declarations since 1966, 6 of them floods, coastal storms or hurricanes.

DisasterBegan
Hurricane BerylJul 5, 2024
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
Tropical Storms Marco And LauraAug 23, 2020
Severe Storms, Tornadoes, And FloodingMar 7, 2016
Bear Creek FireSep 4, 2011
WildfiresAug 30, 2011
WildfiresApr 6, 2011

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

Recorded flood events

10 since 1996: 6 flash floods and 3 river or area floods.

EventDateDamage
Flash FloodMar 15, 2024—
Flash FloodJul 28, 2009—
Flash FloodSep 14, 2009—
Flash FloodSep 14, 2009$250,000
Flash FloodMay 14, 2008$100,000
Tropical StormSep 13, 2008$750,000
FloodFeb 17, 2001$300,000
FloodMar 1, 2001—

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

From the storm reports

Flash Flood · Mar 15, 2024. Strong and deep convection became widespread over the Ark-La-Tex and downstream portions of southern Arkansas on March 15th. This occurred along an outflow boundary on the southwestern flank of a decaying MCS, and a favorable environment encouraged increased training over several hours. The mesoscale environment was characterized by ML CAPE of 1000-2000 J/kg, PWATs of 1.5-1.8 inches, and deep layer shear of 30-50…

Flash Flood · Jul 28, 2009. A mesoscale convective complex formed across southeast Oklahoma, southwest Arkansas and northeast Texas during the predawn hours of July 28th and spread southeast towards the Interstate 20 corridor of northeast Texas into northwest Louisiana during the day. The result was a few reports of wind damage and even a tornado across the region but the main result was excessive heavy rainfall. This rainfall resulted in nu…

Flash Flood · Sep 14, 2009. A strong upper level low pressure system dropped southward out of the Central Plains and into the Middle Red River Valley of northeast Texas, southeast Oklahoma and southwest Arkansas. This system was cut off from the westerlies and produced very heavy rainfall amounts across the region. Flooding was widespread across the region as a result.

Flash Flood · May 14, 2008. Excessive heavy rainfall developed across southwest Arkansas during the overnight and pre dawn hours of May 14th. This rainfall developed due to a very moist airmass in place across the Lower Mississippi Valley and a slow moving upper level low pressure system that moved eastward into the region from Texas. During the late night hours of May 14th...a significant bow echo event developed across portions of northea…

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 Marion County

If a building in Marion 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.