15 flood insurance claims·$200,324 paid·7 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Milam 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.
Flash flooding from intense storms dominates the flood risk profile in Milam County, accounting for 58 of the 72 recorded flood events over the last 30 years alongside 12 general flood events, one tropical storm, and one tropical depression.
Recent occurrences illustrate this pattern. In June 2025, an upper-level low and remnant mesoscale convective vortices produced several rounds of heavy rain and training storms that caused flash flooding over a period of days. Similarly, a saturated atmosphere and slow-moving storms produced numerous flash flooding events across Central Texas from the July 4th weekend into the following week in July 2025, following earlier thunderstorm activity on May 5 and May 6, 2025.
National Flood Insurance Program records show claims across multiple zones, indicating that risk extends beyond traditionally mapped high-risk areas. Zone A accounts for 8 claims with an average payout of $10,290 and an average recorded water depth of 14 inches. Zone UNKNOWN recorded 5 claims with an average payout of $28,374 and an average water depth of 19 inches, while Zone X_SHADED recorded 2 claims with an average payout of $17,294 and an average water depth of 1 inch. Homeowners in mapped Special Flood Hazard Areas as well as unmapped or shaded zones should pay close attention to these localized flood risks.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 15 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.
The worst year was 2015, with 3 claims and $61,164 paid, the year of Severe Storms, Tornadoes, Straight-line Winds and Flooding.
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.
16 NOAA storm reports from Milam County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
23 federal disaster declarations since 1991, 7 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Beryl | Jul 5, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Jan 30, 2023 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Hurricane Harvey | Aug 23, 2017 |
| Severe Storms And Flooding | Apr 17, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
72 since 1996: 58 flash floods and 12 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 12, 2025 | $2,000 |
| Flash Flood | Jun 12, 2025 | $3,000 |
| Flash Flood | Jun 12, 2025 | $1,000 |
| Flash Flood | Jul 7, 2025 | — |
| Flash Flood | May 6, 2025 | — |
| Flash Flood | Jun 12, 2024 | $5,000 |
| Flood | May 23, 2016 | $30,000 |
| Flood | May 19, 2016 | $10,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 tornado had winds u…
Flash Flood · Jun 12, 2024. Overnight convection organized into a cluster of storms that produced flooding in Bell and Milam counties.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Milam 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.