328 flood insurance claims·$3.3M paid·1 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 Randall 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 summer thunderstorms dominates the flood risk in Randall County, accounting for 101 events compared to 21 standard flood events over the last 30 years. NOAA storm data illustrates this hazard, recording severe thunderstorms that produced flash flooding in Amarillo and Canyon on July 24, 2025, as well as severe storms bringing large hail and heavy rainfall into the county on June 4, 2025.
National Flood Insurance Program records indicate that flood claims occur across multiple zones, with Zone A recording 98 claims averaging an average 2 inches of recorded water depth and a $9,876 average payout. Meanwhile, Zone X properties recorded 71 claims with an average 10 inches of recorded water depth and a $32,970 average payout, and Zone UNKNOWN logged 92 claims averaging 1 inch of recorded water depth and a $5,390 average payout. Zone X_UNSHADED recorded 35 claims with an average 3 inches of water depth and an $11,166 average payout, while Zone X_SHADED saw 31 claims averaging 3 inches of water depth and a $10,043 average payout.
Homeowners, real estate agents, and journalists should pay the closest attention to properties in Zone A and Zone X, where claims and recorded water depths demonstrate significant financial and physical impact from heavy rainfall events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
40% of Randall County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
164 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 4 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 1988, with 50 claims and $269,318 paid.
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.
49 NOAA storm reports from Randall County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
17 federal disaster declarations since 1989, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Pitt Road Fire | May 29, 2011 |
| Wildfires | Apr 6, 2011 |
| Tanglewood Fire Complex | Feb 27, 2011 |
| Hurricane Ike | Sep 7, 2008 |
| Wildfires | Mar 14, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
122 since 1996: 101 flash floods and 21 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Apr 26, 2025 | $2,000 |
| Flood | Apr 25, 2025 | $2,000 |
| Flood | Oct 24, 2025 | $15,000 |
| Flash Flood | Jul 24, 2025 | $5,000 |
| Flash Flood | Jul 24, 2025 | $50,000 |
| Flash Flood | Aug 11, 2025 | $1,000 |
| Flash Flood | Aug 11, 2025 | $10,000 |
| Flood | Jun 8, 2025 | $200 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Apr 26, 2025. A cold front moved through the combined Panhandles. This combined with increased wind shear, instability and moisture to bring severe storms to the southern portions of the Texas Panhandle. Several tornadoes occurred during the late night into early morning hours of April 25th to 26th. Large hail and areas of flooding also occurred as storms continue to move over the same locations.
Flood · Apr 25, 2025. A cold front moved through the combined Panhandles. This combined with increased wind shear, instability and moisture to bring severe storms to the southern portions of the Texas Panhandle. Several tornadoes occurred during the late night into early morning hours of April 25th to 26th. Large hail and areas of flooding also occurred as storms continue to move over the same locations.
Flood · Oct 24, 2025. An upper level low pressure system moved across the combined Panhandles on October 24th. It combined with sufficient moisture, cold temperatures in the upper atmosphere and enough wind shear to bring a few strong to severe thunderstorms to the region. These storms brought small hail to the region as well as efficient rainfall that led to flooding issues.
Flash Flood · Jul 24, 2025. An upper level system coincided with abundant atmospheric moisture across the Texas Panhandle on the evening of the 24th. This resulted in scattered thunderstorms that eventually grew into widespread thunderstorm activity. A few storms became strong to severe thunderstorms that produced heavy rainfall, severe wind gusts, and a localized occurrence of hail up to ping pong ball size. The biggest hazard that occurred…
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 Randall 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.