Enter any address in Sutton County, Texas to see its FEMA flood zone
Flash flooding from heavy rainfall is the dominant flood character in Sutton County. Between 2000 and 2020, NOAA Storm Events data recorded 41 flash flood events, alongside 3 general flood events and 1 tropical depression. For example, heavy rainfall and flash flooding occurred in July 2025 due to deep tropical moisture.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced a higher volume of claims (22), with an average payout of $22,390 for an average water depth of 1.6 feet. Properties in Zone X have had fewer claims (5), but with a higher average payout of $58,156 for an average water depth of 0.8 feet.
Residents in areas designated as Zone A, particularly those without a home built above the Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Sutton County, Texas has recorded 45 flood-related events since 1996 according to NOAA's Storm Events Database, including 41 flash floods and 3 river or area floods. The county has received 16 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 (1993–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Flood | Jul 2, 2025 |
| 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 | Sep 10, 2018 |
| Wildfires | Fire | Aug 30, 2011 |
| Wildfires | Fire | Apr 6, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 13, 2025 | 0.00K |
| Flash Flood | Sep 7, 2025 | 0.00K |
| Flood | Oct 25, 2023 | 0.00K |
| Flash Flood | May 2, 2019 | 0.00K |
| Flash Flood | Sep 21, 2018 | 0.00K |
| Flash Flood | Sep 21, 2018 | 8.00M |
| Flood | Oct 16, 2018 | 0.00K |
| Flood | Jun 27, 2016 | 0.00K |
| Flash Flood | Sep 20, 2013 | 0.00K |
| Flash Flood | Oct 8, 2011 | 0.00K |
Flash Flood — Jul 13, 2025
The combination of deep tropical moisture and a weak upper level area of low pressure produced heavy rainfall and flash flooding across portions of the Northwest Hill Country and Heartland.
Flash Flood — Sep 7, 2025
Heavy rainfall causing Flash Flooding across portions of Sutton County.
Flood — Oct 25, 2023
The combination of abundant moisture and strong thunderstorms produced some flash flooding across portions of Kimble County.
Flash Flood — May 2, 2019
On May 1, a very unstable airmass, dryline and a residual outflow boundary combined across the Big Country or the region north of Interstate 20 to trigger a few supercell thunderstorms. These ingredients resulted in two tornado reports and a few hail reports. By May 3, an upper level disturbance moved into West Central Texas and caused more severe storms to develop. These storms produced lar...
Flash Flood — Sep 21, 2018
A slow moving upper and surface trough, an abundance of Gulf of Mexico moisture, and remnants of moisture from a dying Pacific tropical cyclone resulted in devastating flash flooding in part of West Central Texas. The town of Sonora along the Dry Devil's Draw was hardest hit by a wall of water and subsequent 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 Sutton 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 Sutton 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.