FEMA flood zones · Texas

Oldham County, Texas Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Oldham County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Oldham 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.

In their words

2 NOAA storm reports from Oldham County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →

Federal disasters

13 federal disaster declarations since 1998, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
WildfiresApr 6, 2011
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005
Hurricane RitaSep 23, 2005
Hurricane Katrina EvacuationAug 29, 2005
Severe Winter Ice StormDec 12, 2000

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

8 since 1996: 6 flash floods and 2 river or area floods.

EventDateDamage
FloodJun 5, 2019—
FloodOct 4, 2019—
Flash FloodOct 22, 2015—
Flash FloodSep 19, 2013—
Flash FloodJun 13, 2003—
Flash FloodSep 9, 2003—
Flash FloodJul 6, 2002$45,000
Flash FloodOct 23, 2000—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flood · Jun 5, 2019. Upper level disturbance over eastern New Mexico helped to generate thunderstorms. Originally multi-cellular, thunderstorms quickly congealed into a line as they produced damaging winds gusts and hail reports across the central and western Texas Panhandle. Locally heavy rainfall in the most persistent areas of thunderstorms also produced reports of flooding for parts of the TX Panhandle.

Flood · Oct 4, 2019. Deep moisture, a retreating frontal boundary and an upper level disturbance led to Morning thunderstorms across the southwest Texas Panhandle led to localized flooding and flash flooding.

Flash Flood · Oct 22, 2015. A severe thunderstorm caused wind damage in the town of Dodson in Collingsworth County during the evening of the 21st. Earlier that afternoon, storms occurred further west in the southwest portion of the Texas Panhandle, but were non-severe. Hail, strong wind gusts, and heavy rain were all that was reported. As the night went on, heavy rain continued in some locations. This resulting in flooding in some areas. Fla…

Flash Flood · Sep 19, 2013. Portions of the Texas Panhandle experienced tropical-like precipitation which led to localized flash flooding during the evening hours of the 19th. The remnants of Tropical Depression Manuel streamed across the panhandle ahead of a slow southward progressing cold front. The increased moisture pushed Precipitable Water values into a climatological extreme range which provided thunderstorms with the potential to pro…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Oldham County

If a building in Oldham 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.