Enter any address in Matagorda County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Matagorda County, with 30 occurrences recorded in the last 30 years. Tropical storms and coastal flooding also pose significant risks, with 11 tropical storm events and 6 coastal flood events documented in the same period. Recent events include coastal flooding and tropical storm impacts from Potential Tropical Cyclone Alberto in June 2024, and Tropical Storm Nicholas in September 2021, which brought heavy rainfall and wind damage.
NFIP claims data shows that properties in Zone A and Zone V have experienced the most claims. Zone A properties have seen an average of 831 claims with an average payout of $10,385 and an average water depth of 1.1 feet. Zone V properties have had 347 claims with an average payout of $10,079 and an average water depth of 3.1 feet. Properties in Zone X, even those not shaded on flood maps, have also experienced substantial claims, with an average payout of $17,543 and an average water depth of 2.5 feet. Homeowners in coastal areas, as well as those in Zone A and Zone V, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
21 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Matagorda County, Texas has recorded 59 flood-related events since 1996 according to NOAA's Storm Events Database, including 30 flash floods and 3 river or area floods. The county has received 29 federal disaster declarations, 6 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1967–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Beryl | Hurricane | Jul 5, 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 |
| Hurricane Hanna | Hurricane | Jul 25, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Harvey | Hurricane | Aug 23, 2017 |
| 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 |
|---|---|---|
| Flood | Jun 12, 2025 | 5.00K |
| Flash Flood | Jun 12, 2025 | 5.00K |
| Tropical Storm | Jun 19, 2024 | — |
| Coastal Flood | Jun 19, 2024 | 0.00K |
| Coastal Flood | Jun 18, 2024 | — |
| Flash Flood | May 19, 2021 | 0.00K |
| Flash Flood | May 16, 2021 | 0.00K |
| Storm Surge/Tide | Sep 13, 2021 | — |
| Tropical Storm | Sep 13, 2021 | — |
| Hurricane (Typhoon) | Sep 13, 2021 | — |
Flood — Jun 12, 2025
Storms occurring overnight, producing damaging winds, flooding and brief tornadoes.
Flash Flood — Jun 12, 2025
Storms occurring overnight, producing damaging winds, flooding and brief tornadoes.
Tropical Storm — Jun 19, 2024
A Potential Tropical Cyclone became Tropical Storm Alberto as it moved generally westward across the southern Gulf of Mexico and made landfall in the Tampico area. Coastal flooding occurred along the upper Texas coast.
Coastal Flood — Jun 19, 2024
A Potential Tropical Cyclone became Tropical Storm Alberto as it moved generally westward across the southern Gulf of Mexico and made landfall in the Tampico area. Coastal flooding occurred along the upper Texas coast.
Coastal Flood — Jun 18, 2024
A Potential Tropical Cyclone became Tropical Storm Alberto as it moved generally westward across the southern Gulf of Mexico and made landfall in the Tampico area. Coastal flooding occurred along the upper Texas coast.
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 Matagorda 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 Matagorda 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.