Enter any address in Somervell County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Somervell County. Over the last 30 years, NOAA Storm Events data shows 16 flash flood events and 4 flood events. Recent examples include flash flooding on October 31, 2015, and widespread flooding following thunderstorms on March 30, 2007.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $9,870 and an average water depth of 10.1 feet. However, properties in Zone X_UNSHADED have seen the highest average payouts at $37,548, with an average water depth of 5.5 feet. Homeowners in Zone A, as well as those in Zone X_UNSHADED and Zone UNKNOWN, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
2 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Somervell County, Texas has recorded 20 flood-related events since 1996 according to NOAA's Storm Events Database, including 16 flash floods and 4 river or area floods. The county has received 21 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1989–2022)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Chalk Mountain Fire | Fire | Jul 18, 2022 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | May 22, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Apr 6, 2011 |
| Big Trickle Ranch Fire | Fire | Mar 11, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 6, 2025 | 0.00K |
| Flood | May 31, 2016 | 15.00K |
| Flood | Jun 1, 2016 | 0.00K |
| Flash Flood | Oct 31, 2015 | 1.00K |
| Flash Flood | Mar 30, 2007 | 0.00K |
| Flood | May 29, 2007 | 0.00K (2 deaths) |
| Flash Flood | Jun 26, 2007 | 40.00K |
| Flash Flood | Jul 8, 2007 | 400.00K |
| Flash Flood | Mar 19, 2006 | — |
| Flash Flood | Jun 9, 2004 | — |
Flash Flood — Jul 6, 2025
From the July 4th weekend into the early part of the following week, a weak upper trough lingered over North and Central Texas, triggering several days of scattered showers and thunderstorms. A saturated atmosphere combined with slow storm motions resulted in numerous flash flooding events throughout the region, particularly in Central Texas.
Flood — May 31, 2016
Several disturbances in advance of a deepening upper level trough over the southwest states led to multiple rounds of showers and storms across North and Central TX. With wet soils already in place, flash flooding was the main weather concern during this time. However, with unstable air still in place, some storms were able to become severe with large hail and damaging winds.
Flash Flood — Oct 31, 2015
Heavy rain led to flash flooding across portions of North Central Texas, with residual flooding persisting through the 31st.
Flash Flood — Mar 30, 2007
An upper low pressure system situated to the west brought large scale lift to north Texas. Southerly winds brought deep rich moisture from the Gulf of Mexico. These and other factors caused numerous thunderstorms to develop. Widespread flooding and wind damage followed, as well as a few tornadoes.
Flood — May 29, 2007
An upper level low pressure system over the west combined with ample moisture over north Texas. Storms trained over the same areas, creating flash flooding.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Somervell County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Somervell County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.