Enter any address in Montgomery County, Texas to see its FEMA flood zone
Flash flooding from severe thunderstorms is the most frequent type of flood event in Montgomery County, TX, accounting for 71 events over the last 30 years. Recent examples include flash flooding on May 30, 2024, and a flood event on January 24, 2024, which resulted in high water rescues and a fatality.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the highest number of claims, with an average payout of $63,566 and an average water depth of 4.9 feet. Properties in Zone X also have a significant number of claims, averaging $50,498 in payouts and 3.4 feet of water depth.
Residents in areas designated as Zone A, or those in other flood zones with a history of claims and significant water depth, 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.
Montgomery County, Texas has recorded 80 flood-related events since 1996 according to NOAA's Storm Events Database, including 71 flash floods and 5 river or area floods. The county has received 39 federal disaster declarations, 9 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Pauline Road Fire | Fire | Mar 19, 2025 |
| Hurricane Beryl | Hurricane | Jul 5, 2024 |
| 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 |
| Tropical Storms Marco And Laura | Hurricane | Aug 23, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Tropical Storm Imelda | Flood | Sep 17, 2019 |
| Hurricane Harvey | Hurricane | Aug 23, 2017 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 30, 2024 | 0.00K |
| Flood | Jan 24, 2024 | 0.00K |
| Flash Flood | May 2, 2024 | 0.00K |
| Flood | May 1, 2024 | 6.40M |
| Flash Flood | May 14, 2023 | 0.00K |
| Flash Flood | Apr 6, 2023 | 0.00K |
| Flash Flood | May 17, 2021 | 0.00K |
| Flash Flood | Sep 19, 2019 | 0.00K |
| Flash Flood | Sep 19, 2019 | 190.00M |
| Flash Flood | Jun 16, 2019 | 0.00K |
Flash Flood — May 30, 2024
Severe thunderstorms moved across the area and produced hail, some wind damage and a little bit of flooding.
Flood — Jan 24, 2024
A series of disturbances moved across the area resulting in numerous flash flood events that resulted in the flooding of many homes, extensive high water rescues, and a flood-related fatality.
Flash Flood — May 2, 2024
A series of disturbances moved across the area and produced flash flooding and severe thunderstorms.
Flood — May 1, 2024
A series of wind and heavy rain events hit the area in late April and early May leading to significant damages. These entries include cumulative dollar damage estimates primarily from the flood events as reported by the counties.
Flash Flood — May 14, 2023
Heavy rain from a cluster of storms caused street flooding across portions of Harris, Brazoria, and Fort Bend Counties during the afternoon of May 14.
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 Montgomery 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 Montgomery 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.