Enter any address in Palo Pinto County, Texas to see its FEMA flood zone
Flash flooding from heavy rainfall events is the primary flood hazard in Palo Pinto County. Over the past 30 years, NOAA Storm Events data shows 49 flash flood events and 12 flood events, resulting in two fatalities. Recent examples include flash flooding on June 11, 2025, caused by persistent heavy rain, and a multi-day severe weather and flood event that occurred around March 7, 2016.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, which have a higher flood risk, have experienced an average water depth of 4.4 feet and received average payouts of $15,972. Properties in Zone X, with moderate flood risk, saw average water depths of 1.8 feet and average payouts of $16,676. Homeowners in Zone A, as well as those in Zone X and Zone X_Unshaded, should pay close attention to flood risk information.
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.
Palo Pinto County, Texas has recorded 61 flood-related events since 1996 according to NOAA's Storm Events Database, including 49 flash floods and 12 river or area floods. The county has received 26 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 (1981–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 And Flooding | Flood | May 22, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| 101 Ranch Fire | Fire | Aug 30, 2011 |
| Pk East Fire | Fire | Apr 16, 2011 |
| Pk West Fire | Fire | Apr 13, 2011 |
| Hohertz Fire | Fire | Apr 9, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 11, 2025 | 1.00K |
| Flash Flood | Mar 18, 2020 | 0.00K |
| Flood | May 31, 2016 | 100.00K |
| Flash Flood | May 31, 2016 | 5.00K |
| Flash Flood | May 30, 2016 | 15.00K |
| Flood | Apr 17, 2016 | 10.00K |
| Flash Flood | Apr 17, 2016 | 0.00K |
| Flash Flood | Apr 17, 2016 | 10.00K |
| Flash Flood | Apr 17, 2016 | 8.00K |
| Flood | Mar 7, 2016 | 0.00K |
Flash Flood — Jun 11, 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 — Mar 18, 2020
An upper level trough near the region contributed to several rounds of severe weather over a 2 day period. The first round was an MCS that resulted in flooding across parts of North Texas. The second round resulted in a few tornadoes to the west and northwest of the DFW Metroplex. The final round was afternoon convection that produced some small hail around the DFW Metroplex.
Flood — May 31, 2016
Several disturbances in advance of a deepening upper level trough over the southwest states led to multiple rounds of showers and storms across North and Central TX. With wet soils already in place, flash flooding was the main weather concern during this time. However, with unstable air still in place, some storms were able to become severe with large hail and damaging winds.
Flash Flood — May 31, 2016
Several disturbances in advance of a deepening upper level trough over the southwest states led to multiple rounds of showers and storms across North and Central TX. With wet soils already in place, flash flooding was the main weather concern during this time. However, with unstable air still in place, some storms were able to become severe with large hail and damaging winds.
Flash Flood — May 30, 2016
Several disturbances in advance of a deepening upper level trough over the southwest states led to multiple rounds of showers and storms across North and Central TX. With wet soils already in place, flash flooding was the main weather concern during this time. However, with unstable air still in place, some storms were able to become severe with large hail and damaging winds.
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 Palo Pinto 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 Palo Pinto 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.