6 flood insurance claims·$14,106 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 Scurry 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 severe storms dominates the flood risk profile in Scurry County, where the NOAA Storm Events Database records 73 flash flood events and 1 death over the last 30 years. Recent weather patterns driving this risk include slow-moving cold fronts, troughs, and moisture plumes interacting over the Permian Basin, which triggered flash flooding in April 2025 and June 2025, as well as multiple events in October 2025.
National Flood Insurance Program records indicate minimal claim history, consisting of four claims in unknown flood zones with an average payout of $4,702 and an average recorded water depth of 2 inches, alongside two claims in Zone A with an average payout of $0 and an average recorded water depth of 2 inches.
Homeowners, journalists, and real estate agents should pay the most attention to properties located within Zone A and unmapped or unknown flood zones, as these areas represent the known claims data and documented flash flood history driven by regional storm systems.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 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 1980, with 4 claims and $14,106 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.
27 NOAA storm reports from Scurry County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
15 federal disaster declarations since 1993, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 26, 2015 |
| Wildfires | Apr 6, 2011 |
| Wildfires | Mar 14, 2008 |
| Scurry Fire Complex | Feb 23, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
| Hurricane Rita | Sep 23, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
73 since 1996: 73 flash floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 30, 2025 | — |
| Flash Flood | Apr 30, 2025 | — |
| Flash Flood | Oct 23, 2025 | — |
| Flash Flood | May 4, 2024 | — |
| Flash Flood | Sep 3, 2024 | — |
| Flash Flood | Sep 2, 2024 | — |
| Flash Flood | Jun 30, 2023 | — |
| Flash Flood | Oct 4, 2023 | $20,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 30, 2025. A slow-moving cold front ahead of an approaching shortwave trough resulted in numerous thunderstorms across the Permian Basin. Flash flooding and damaging winds were reported in some locations.
Flash Flood · Apr 30, 2025. A cold front draped across portions of north and west Texas into Southeast New Mexico, with a dryline extending south to the Stockton Plateau, would be the focus for strong to severe thunderstorms as a trough approached the region.
Flash Flood · Oct 23, 2025. Synoptic lift from an upper-level trough interacted with a favorable plume of moisture and instability over West Texas, leading to the development of strong to severe storms, especially along a nearby boundary over the northern Permian Basin. Storms were initially weak as they moved out of New Mexico, but intensified quickly over the Permian Basin that evening. Most activity moved out of the area overnight.
Flash Flood · May 4, 2024. A cold front moved across the Permian Basin before stalling during the afternoon. Several intense supercells formed along and behind this front, producing very large hail. Another area of thunderstorms developed near Fort Stockton. Very large hail and several tornadoes were produced by these supercells as they tracked southeast, mainly between US Highway 385 and US Highway 285.
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 Scurry 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.