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FEMA flood zones · Texas

Reagan County, Texas Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Reagan 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 Reagan 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.

How Reagan County floods

Flash flooding from thunderstorms dominates the flood risk profile in Reagan County, based on thirty years of NOAA storm event data recording 29 flash flood events and no other flood types.

These events are primarily driven by upper-level disturbances interacting with seasonal moisture and approaching fronts, producing heavy rainfall across the Permian Basin. For example, a slow-moving upper low and high atmospheric moisture content caused flash flooding as a line of storms moved through the region in June 2015. Similar upper-level support and cold front interactions triggered additional flash flooding across West Texas in September 2018.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in low-lying areas, near localized drainage pathways, and throughout zones susceptible to rapid surface runoff during intense thunderstorm activity.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

2 NOAA storm reports from Reagan 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 1993, 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
Extreme Fire HazardsAug 1, 1999

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

Recorded flood events

29 since 1996: 29 flash floods.

EventDateDamage
Flash FloodOct 24, 2025—
Flash FloodSep 21, 2018$5,000
Flash FloodJun 15, 2015$200
Flash FloodMay 8, 2007—
Flash FloodMay 26, 2005—
Flash FloodAug 15, 2005—
Flash FloodAug 14, 2005—
Flash FloodOct 13, 2005—

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

From the storm reports

Flash Flood · Oct 24, 2025. The same upper-level trough that helped initiate thunderstorms on the 23rd allowed for additional thunderstorm development on the 24th as it continued to approach the region. Initially scattered to numerous thunderstorms developed in West Texas during the morning of the 24th. By the early afternoon, reports of large hail and severe winds were received as these storms marched across the Permian Basin and Trans-Peco…

Flash Flood · Sep 21, 2018. An upper level disturbance moved over West Texas, and a cold front was approaching the area. Plentiful moisture was present along with the lift from the disturbance and cold front. These conditions contributed to flash flooding across parts of West Texas.

Flash Flood · Jun 15, 2015. A weak low pressure system slowly drifted east into the Great Plains with a trailing upper level disturbance rotating around the backside of the upper low. As the disturbance moved over the region, it brought thunderstorms to West Texas. Instability and shear were weak, but the high moisture content across the area caused flash flooding to develop as a line of storms moved across the Permian Basin.

Flash Flood · May 8, 2007. An upper level storm system remained quasi-stationary over portions of southeastern Arizona. Ahead of this upper low, an upper level disturbance moved around the periphery of the low which aided in the development of thunderstorms over southeastern New Mexico overnight. As the shortwave moved across southeastern New Mexico, thunderstorms developed southwestward into portions of southwest Texas.||Thunderstorms de…

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 Reagan County

If a building in Reagan 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.