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FEMA flood zones · Texas

Sherman County, Texas Flood Zone Map

1 federal flood & hurricane disasters

FEMA’s digital flood map shows no high- or moderate-risk zones in Sherman County. That can mean the area was never studied in detail or has no digital map, not that it can’t flood; the county floodplain administrator can say which.

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 Sherman 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.

In their words

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

Federal disasters

12 federal disaster declarations since 1989, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormFeb 11, 2021
Severe Winter StormsFeb 11, 2021
WildfiresMar 14, 2008
Extreme Wildfire ThreatNov 27, 2005
Hurricane RitaSep 23, 2005
Hurricane Katrina EvacuationAug 29, 2005
Extreme Fire HazardsAug 1, 1999
Tropical Storm CharleyAug 22, 1998

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

Recorded flood events

3 since 1996: 1 flash floods and 2 river or area floods.

EventDateDamage
FloodJun 19, 2024—
FloodJun 22, 2018—
Flash FloodJun 11, 2000—

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

From the storm reports

Flood · Jun 19, 2024. A slow moving cold front moved south out of Kansas into the northern Panhandles during the evening of June 18 into the morning of June 19, 2024. The cold front along with upper level dynamics and abundant moisture throughout the atmosphere, combined to form a line of showers and thunderstorms across the northern half of the Panhandles, in particular for the Oklahoma Panhandle. Due to weak flow aloft, the storms mo…

Flood · Jun 22, 2018. An upper level disturbance helped bring the mountain thunderstorms across the area. Decent wind shear and instability was available to support strong to severe storms. One of the storms became severe with 1 hail reported. This occurred early in the morning on the 22nd. Several more storms arrived the evening of the 22nd with the help of deep rich moisture and strong wind shear. The dryline mixed into western se…

Flash Flood · Jun 11, 2000. Thunderstorms producing very heavy rainfall caused some flooding during the early morning hours.

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 Sherman County

If a building in Sherman 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.