Enter any address in Terry County, Texas to see its FEMA flood zone
Flash flooding from heavy rainfall events is the primary flood concern in Terry County. Recent events include widespread moderate to heavy rain in November 2024 and torrential rain in August 2022 that inundated roadways.
National Flood Insurance Program (NFIP) claims data shows that while Zone A and Zone X_Unshaded areas have experienced flooding, areas with unknown flood zone designations have seen higher average payouts and water depths. Homeowners in these areas, particularly those without a Base Flood Elevation (BFE) determination, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
10 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Terry County, Texas has recorded 19 flood-related events since 1996 according to NOAA's Storm Events Database, including 11 flash floods and 8 river or area floods. The county has received 15 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1992–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Dec 26, 2015 |
| Wildfires | Fire | Apr 6, 2011 |
| Hurricane Alex | Hurricane | Jun 30, 2010 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Nov 17, 2024 | 0.00K |
| Flood | May 28, 2023 | 0.00K |
| Flash Flood | Aug 31, 2022 | 0.00K |
| Flood | Jul 15, 2021 | 0.00K |
| Flash Flood | May 20, 2018 | 0.00K |
| Flood | Apr 13, 2015 | 10.00K |
| Flood | May 4, 2015 | 20.00K |
| Flood | Sep 21, 2014 | 0.00K |
| Flood | Sep 20, 2014 | 100.00K |
| Flood | Jul 4, 2010 | 0.00K |
Flash Flood — Nov 17, 2024
Widespread moderate to heavy rain fell on much of the South Plains and Rolling Plains region from late on the 17th through the early morning hours of the 18th. An intense mid level storm system in combination with abundant moisture from the Gulf of Mexico and Pacific brought this heavy rainfall. This storm system initially strengthened over southern California and the northern Gulf of Californi...
Flood — May 28, 2023
Scattered supercell thunderstorms developed on the afternoon of the 28th and persisted through the evening producing several severe storms despite weak background forcing. Strong instability developed while the atmosphere became uncapped which allowed these supercell thunderstorms to develop. A slow moving storm near Vigo Park produced a brief tornado over an open field. More widespread thunder...
Flash Flood — Aug 31, 2022
An upper level storm system became nearly stationary, centered close to El Paso, which allowed extremely moist air to continue to be pumped up into West Texas on the 31st. The near record moisture levels, along with the nearby upper level low, and weak daytime heating, initiated a round of westward-moving showers and thunderstorms that dumped torrential rain in spots adding to the already satur...
Flood — Jul 15, 2021
An upper level trough moved across the region during the afternoon of the 15th. This trough was also accompanied by a surface cold front that led to scattered thunderstorm development during the afternoon and evening hours. Ample atmospheric moisture combined with weak wind shear lead to slow moving efficient rain producers which led to several heavy rain reports. Additionally, very hot surface...
Flash Flood — May 20, 2018
Scattered thunderstorms developed late this afternoon ahead of a dryline, initially in the Rolling Plains and then farther west and in greater number across the southern South Plains through late evening. Strong instability and moderate wind shear resulted in many of these storms becoming supercells, some with destructive hail to 3 inches in diameter, but very few severe wind gusts were report...
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 Terry 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 Terry 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.