Enter any address in Montague County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Montague County. Between 1994 and 2024, NOAA Storm Events data recorded 34 flash flood events and 9 general flood events. For example, April 2025 saw significant flash flooding associated with slow-moving fronts and training thunderstorms. In April 2025, multiple upper-level systems also contributed to severe storms, including flash flooding and tornadoes.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A experienced the most claims, with an average payout of $13,050 and an average water depth of 4.5 feet. Properties in Zone X, though fewer in number, had a higher average payout of $24,284, with an average water depth of 1.0 foot. Properties in Zone UNKNOWN also saw substantial payouts.
Homeowners in Zone A, and those in areas designated as Zone X or UNKNOWN, should pay particular attention to flood risk. These zones represent areas with a higher likelihood of flood claims and varying water depths, indicating a need for awareness and potential mitigation measures.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montague County, Texas has recorded 43 flood-related events since 1996 according to NOAA's Storm Events Database, including 34 flash floods and 9 river or area floods. The county has received 22 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1981–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Aug 30, 2011 |
| Wildfires | Fire | Apr 6, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 16, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flood | Apr 20, 2025 | 100.00K |
| Flood | Apr 20, 2025 | 0.00K |
| Flash Flood | Apr 19, 2025 | 0.00K |
| Flash Flood | Apr 19, 2025 | 100.00K |
| Flash Flood | Nov 8, 2024 | 0.00K |
| Flash Flood | Nov 8, 2024 | 5.00K |
| Flood | May 23, 2020 | 0.00K |
| Flash Flood | May 22, 2020 | 5.00M |
| Flash Flood | Mar 18, 2020 | 0.00K |
Flash Flood — Apr 30, 2025
A slow moving front and an upper trough generated scattered thunderstorms on April 29, and widespread showers and thunderstorms on April 30, across much of North and Central Texas. Some of these storms became severe with large hail and damaging winds, but the most impactful weather was flash flooding due to the slow movement of the front and the resulting ���training��� of thunderst...
Flood — Apr 20, 2025
Multiple upper level shortwaves moved overtop the Plains contributing to the development of severe storms near and along a cold front and dryline on and off between the 18th and 20th. Large hail, damaging winds, flash flooding, and tornadoes were all observed, particularly on the 19th. A total of 12 tornadoes occurred along and east of Highway 281 causing considerable damage: 1 EF-2, 5 EF-1s, a...
Flash Flood — Apr 19, 2025
Multiple upper level shortwaves moved overtop the Plains contributing to the development of severe storms near and along a cold front and dryline on and off between the 18th and 20th. Large hail, damaging winds, flash flooding, and tornadoes were all observed, particularly on the 19th. A total of 12 tornadoes occurred along and east of Highway 281 causing considerable damage: 1 EF-2, 5 EF-1s, a...
Flash Flood — Nov 8, 2024
An upper level storm system brough scattered strong to severe storms that produced large hail, wind damage, and flash flooding for areas near and west of I-35 on both the 7th and 8th. The largest observed hail was the size of golf balls and was reported in Young County.
Flood — May 23, 2020
May 22nd - 24th, 2020 was an active few days with two main time frames of severe weather, and scattered severe weather reports punctuated elsewhere within these few days. The highlight of this period was damaging straight-line winds across Montague, Cooke and Grayson Counties with an EF-1 tornado in Bowie (Montague County) on May 22nd. These storms formed along an outflow boundary and front com...
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 Montague 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 Montague 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.