FEMA flood zones · Texas

Red River County, Texas Flood Zone Map

6 federal flood & hurricane disasters

2% of Red River 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 Red River 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 Red River County floods

Flash flooding from severe storms and heavy rainfall dominates the flood risk profile in Red River County, accounting for 50 of the 54 recorded flood events over the last 30 years, while standard floods comprise the remaining 4 events.

Heavy rainfall events frequently result from warm fronts, stationary boundaries, and tropical moisture systems. For example, a stationary front and intensifying low-level jet produced heavy rainfall on April 4, 2025, while a cluster of slow-moving thunderstorms driven by abundant tropical moisture from Hurricane Laura occurred on August 26, 2020. Additional flash flood events driven by strong forcing and heavy rainfall rates occurred on January 30, 2025, and October 4, 2023.

Homeowners, real estate agents, and journalists should pay the closest attention to properties located in designated Special Flood Hazard Areas, particularly homes situated near low-water crossings, local tributaries, and areas prone to rapid runoff during intense rainfall rates.

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

In their words

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

Federal disasters

26 federal disaster declarations since 1966, 6 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Straight-line Winds, Tornadoes, And FloodingApr 26, 2024
Severe Winter StormJan 30, 2023
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
Tropical Storms Marco And LauraAug 23, 2020
Severe Storms, Tornadoes, And FloodingMar 7, 2016
Severe Winter Storms, Tornadoes, Straight-line Winds, And FloodingDec 26, 2015
Severe Storms, Tornadoes, Straight-line Winds And FloodingMay 4, 2015

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

Recorded flood events

54 since 1996: 50 flash floods and 4 river or area floods.

EventDateDamage
Flash FloodJan 30, 2025—
Flash FloodApr 4, 2025—
Flash FloodOct 4, 2023—
Flash FloodAug 26, 2020—
Flash FloodFeb 22, 2018—
FloodFeb 22, 2018—
Flash FloodFeb 21, 2018—
FloodDec 8, 2018—

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

From the storm reports

Flash Flood · Jan 30, 2025. A closed upper level low pressure system shifted east from Southeast Colorado into the Oklahoma/Texas Panhandles into Western Oklahoma on January 30th, with an increased southerly low level flow allowing warm, humid, and very moist air to return back north across Northeast Texas, Southeast Oklahoma, and Southwest Arkansas with the passage of a warm front. Strong forcing near and north of the warm front ahead of th…

Flash Flood · Apr 4, 2025. A stationary front extended across portions of Northeast Texas and Southwest Arkansas during the early morning hours on April 4th, but lifted north into Southeast Oklahoma and Western Arkansas during the day. This was in response to an intensifying low level jet that developed ahead of a large upper trough that extended from the Intermountain West into the Plains, which provided the necessary lift across the very…

Flash Flood · Oct 4, 2023. A prolonged period of very heavy rainfall along with severe thunderstorms occurred on October 4th-5th across parts of Northeast Texas. Showers and thunderstorms with 1-3 inch per hour rainfall rates trained in the vicinity of a warm front, which was oriented across the Ark-La-Tex and in adjacent portions of Southeast Oklahoma and Northeast Louisiana. Deep convergence of moisture along the boundary resulted as the…

Flash Flood · Aug 26, 2020. An inverted trough aloft developed over portions of extreme Northeast Texas, Southwest Arkansas, and Southeast Oklahoma during the early morning hours of August 26th, ahead of Hurricane Laura as it tracked north towards the Southwest Louisiana coast. Abundant tropical moisture streamed northward ahead of Laura and into this trough, which enhanced large scale forcing resulting in a cluster of strong, slow moving th…

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 Red River County

If a building in Red River 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.