Enter any address in Milam County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Milam County. Between 1993 and 2023, the NOAA Storm Events Database recorded 58 flash flood events, along with 12 general flood events, one tropical storm, and one tropical depression. Recent examples include flash flooding in July 2025, caused by slow-moving thunderstorms and a saturated atmosphere, and June 2025, when training storms produced heavy rain.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A and Zone UNKNOWN have experienced flooding. Zone A claims averaged over $5,000 with water depths around 5 feet, while Zone UNKNOWN claims averaged over $32,000 with water depths of 18 feet. Properties in Zone X_SHADED also had claims, averaging under $9,000 with water depths around 0.5 feet. Homeowners in Zone A and Zone UNKNOWN, as well as those without a Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
16 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Milam County, Texas has recorded 72 flood-related events since 1996 according to NOAA's Storm Events Database, including 58 flash floods and 12 river or area floods. The county has received 23 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1991–2024)
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 | Winter Storm | Jan 30, 2023 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Harvey | Hurricane | Aug 23, 2017 |
| Severe Storms And Flooding | Flood | Apr 17, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 12, 2025 | 2.00K |
| Flash Flood | Jun 12, 2025 | 3.00K |
| Flash Flood | Jun 12, 2025 | 1.00K |
| Flash Flood | Jul 7, 2025 | 0.00K |
| Flash Flood | May 6, 2025 | 0.00K |
| Flash Flood | Jun 12, 2024 | 5.00K |
| Flood | May 23, 2016 | 30.00K |
| Flood | May 19, 2016 | 10.00K |
| Flood | Apr 17, 2016 | 0.00K |
| Flash Flood | Apr 17, 2016 | 0.00K |
Flash Flood — Jun 12, 2025
An upper level low and remnant MCVs produced several rounds of heavy rain and training storms that produced flash flooding for a few day across the region, mainly across Central Texas.
Flash Flood — Jul 7, 2025
From the July 4th weekend into the early part of the following week, a weak upper trough lingered over North and Central Texas, triggering several days of scattered showers and thunderstorms. A saturated atmosphere combined with slow storm motions resulted in numerous flash flooding events throughout the region, particularly in Central Texas.
Flash Flood — May 6, 2025
A sharp upper trough and a meandering surface front generated two rounds of thunderstorms across the region, one round on May 5 and the other on May 6. Most of the severe weather took place on the 6th, when large hail, damaging winds, and a few tornadoes occurred. A total of 5 tornadoes were surveyed in the far southeast parts of the County Warning Area: two EF-0s and three EF-1s. The strongest...
Flash Flood — Jun 12, 2024
Overnight convection organized into a cluster of storms that produced flooding in Bell and Milam counties.
Flood — May 23, 2016
Scattered thunderstorms during the morning hours of May 23 produced mainly minor damage as they traversed the northern third of the region.
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 Milam 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 Milam 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.