Enter any address in Terrell County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms dominates Terrell County's flood character. Over the last 30 years, the NOAA Storm Events Database recorded 35 flash flood events, alongside one tropical storm and one flood event. Recent examples include flash flooding on September 2, 2022, caused by abundant moisture and lift leading to rain over saturated soils, and on May 28, 2024, where an outflow boundary aided in the development of severe thunderstorms.
While specific flood zones are not detailed in the provided data, National Flood Insurance Program (NFIP) claims show three instances in zones designated as "UNKNOWN." These claims averaged a payout of $1,720 with an average water depth of 0.0 feet. Residents in areas prone to flash flooding, particularly those in low-lying areas or without documented Base Flood Elevation (BFE) data, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Terrell County, Texas has recorded 37 flood-related events since 1996 according to NOAA's Storm Events Database, including 35 flash floods and 1 river or area floods. The county has received 15 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| 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 |
| Wildfires | Fire | Apr 6, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 22, 2025 | 0.00K |
| Flash Flood | May 28, 2024 | 0.00K |
| Flash Flood | Sep 2, 2022 | 1.00K |
| Flash Flood | Apr 13, 2017 | 0.00K |
| Flash Flood | Jun 27, 2016 | 0.00K |
| Flash Flood | Jul 4, 2010 | 0.00K |
| Flash Flood | Jun 28, 2008 | 0.00K |
| Flash Flood | May 25, 2007 | 0.00K |
| Flash Flood | May 27, 2005 | — |
| Flash Flood | Jun 29, 2004 | — |
Flash Flood — Apr 22, 2025
A broad trough across the western United States and a dryline across the Permian Basin and Stockton Plateau resulted in afternoon thunderstorms. Several severe right-moving supercells occurred over the Stockton Plateau, with left-moving supercells moving across western portions of the Permian Basin. In addition, a localized dry microburst resulted in intense wind gusts of 100 MPH or greater nea...
Flash Flood — May 28, 2024
A strong outflow boundary moved across the Permian Basin resulting in a dust storm with areas of significant visibility reduction. This outflow boundary would also aid in the development of afternoon severe thunderstorms across the Lower Trans Pecos and northeast Permian Basin.
Flash Flood — Sep 2, 2022
West Texas was on the western edge of an upper trough. Abundant moisture and lift were across the area. These conditions allowed for more rain to develop and move over already saturated soils which resulted in flash flooding.
Flash Flood — Apr 13, 2017
A southern stream trough approached the region from the west. Increasing low level moisture, strong upper level lift, instability, and wind shear ahead of the trough supported the development of thunderstorms with large hail across West Texas. The high moisture content of the atmosphere and slow storm motion resulted in heavy rain and flash flooding.
Flash Flood — Jun 27, 2016
An upper level ridge was centered over the Four Corners Region and an upper low was just west of the Pecos River. There was a lot of moisture in the atmosphere which contributed to heavy rain and flash flooding across West Texas.
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 Terrell 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 Terrell 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.