3 flood insurance claims·$5,159 paid·2 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 Terrell 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 thunderstorms and heavy rainfall dominates the flood risk profile of Terrell County. Over a 30-year period, the NOAA Storm Events Database recorded 35 flash flood events, alongside single occurrences of a flood and a tropical storm.
Recent weather patterns illustrate this hazard. On April 22, 2025, a western trough and a dryline triggered afternoon thunderstorms and severe supercells over the Stockton Plateau. Later, on September 2, 2022, abundant moisture combined with an upper trough to produce rain over already saturated soils, resulting in flash flooding.
Federal flood insurance records reflect limited historical claims data, consisting of three claims categorized under Zone UNKNOWN. These claims resulted in an average payout of $1,720 with an average recorded water depth of 0 inches. Homeowners and real estate agents with properties in unmapped or poorly defined hazard areas should pay the closest attention, as unassessed zones carry hidden risks during intense precipitation events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
3 NOAA storm reports from Terrell County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
15 federal disaster declarations since 1965, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Wildfires | Apr 6, 2011 |
| Wildfires | Mar 14, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
| Hurricane Rita | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
37 since 1996: 35 flash floods and 1 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 22, 2025 | — |
| Flash Flood | May 28, 2024 | — |
| Flash Flood | Sep 2, 2022 | $1,000 |
| Flash Flood | Apr 13, 2017 | — |
| Flash Flood | Jun 27, 2016 | — |
| Flash Flood | Jul 4, 2010 | — |
| Flash Flood | Jun 28, 2008 | — |
| Flash Flood | May 25, 2007 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 near Midland Internatio…
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.
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 Terrell 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.