3 flood insurance claims·$158,552 paid·5 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 Throckmorton 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 weather events dominates the flood risk profile of Throckmorton County, accounting for thirteen of the eighteen recorded flood events over the last thirty years alongside five general flood events.
Recent weather patterns illustrate this hazard. On October 17, 2018, an upper-level low-pressure system interacting with moisture caused widespread flooding, rising rivers, and millions of dollars in damage to roads and county infrastructure as Johnson Fork Creek overflowed. Earlier, on May 1, 2019, unstable airmasses and drylines triggered supercell thunderstorms that later developed into severe storms by May 3.
National Flood Insurance Program records indicate that claims have occurred in both high-risk and moderate-to-low risk areas. Zone A properties recorded two claims with an average payout of $78,831 and an average recorded water depth of two inches. Zone X shaded recorded one claim with an average payout of $890 and an average recorded water depth of one inch. Homeowners and real estate agents with properties in Zone A or near creeks and rivers should pay the closest attention to this flood risk.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
8 NOAA storm reports from Throckmorton County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
20 federal disaster declarations since 1978, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Severe Storms And Flooding | May 22, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildfires | Apr 6, 2011 |
| Wildfires | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Jun 16, 2007 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
18 since 1996: 13 flash floods and 5 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 19, 2025 | — |
| Flood | May 1, 2019 | — |
| Flood | Oct 17, 2018 | $400,000 |
| Flood | Oct 9, 2018 | — |
| Flash Flood | Jun 2, 2017 | $460,000 |
| Flash Flood | Jun 2, 2017 | — |
| Flash Flood | Apr 17, 2010 | — |
| Flash Flood | Jun 28, 2007 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Apr 19, 2025. The combination of a stationary front, surface dryline and an upper level low pressure system to the west resulted in many severe thunderstorms developing on the afternoon and evening along the stationary front on April 19th. Also, moderate to strong instability and strong vertical wind shear helped with the severe storm development. The severe storms produced very large hail and damaging winds and a few tornadoes…
Flood · May 1, 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 large hail on May 3. T…
Flood · Oct 17, 2018. An upper level low pressure system remained park across Baja California through October 17. This feature interacted with plenty of moisture and resulted in periods of very heavy rain from October 15 through the 17. ||Widespread flooding developed across the area and many lakes and rivers rose above flood stage and resulted in widespread flooding. Millions of dollars of damage was done to roads and county infras…
Flood · Oct 9, 2018. Upper level disturbances interacted with plenty of gulf moisture to produce rounds of very heavy rain. In fact, very heavy rainfall moved north into Kimble County from Edwards County, up the South Llano River watershed area during the early morning hours of Monday, October 8. ||About eight to 12 inches of rain fell on already saturated ground, causing major flooding over the banks of Cedar Creek and the South Ll…
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 Throckmorton 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.