Wharton, TX Flood Zone Map
Last updated: August 2026
Wharton is a small Colorado River city repeatedly devastated by flooding, with Hurricane Harvey causing record river levels in 2017. The flat coastal plain terrain and broad river floodplain make the city extremely vulnerable.
Wharton County has recorded 1,166 NFIP flood insurance claims since 1978, totaling $51.5M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 6
NFIP Policies
2,267
Wharton County
Avg. Premium
$850/yr
Wharton County
NFIP Flood Insurance Claims: Wharton County
Properties in Wharton County have filed 1,166 NFIP flood insurance claims totaling $51.5M in payouts since 1978. The average claim payout is $44K.
Highest-Claim Years
2017
488 claims - $36.2M
2004
206 claims - $5.5M
2016
76 claims - $2.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Wharton County
Only roughly 1 in 7 households in Wharton County carries NFIP flood insurance (14% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
14%
roughly 1 in 7 households
Historical Claims Ratio
1 in 2
1,166 claims over 45+ years across 2,267 current policies
Avg. Claim Payout
$44,142
Per claim, county-wide since 1978
Historically, Wharton County has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Wharton.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Wharton County
Wharton County has 95 properties with multiple flood insurance losses, including 11 severe repetitive loss properties. 2 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
95
2+ claims within 10 years
Severe Repetitive Loss
11
4+ claims or 2 exceeding value
Mitigated
2
Received FEMA mitigation
By Flood Zone
Zone data available for 92 of 95 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Wharton
Wharton participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 9
SFHA Premium Discount
5% off
CRS classes range from 1 (best) to 10 (no discount). Wharton's Class 9 rating means NFIP policyholders in the SFHA can receive up to a 5% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Wharton County
Wharton County has been included in 16 federal flood-related disaster declarations.
...and 8 earlier declarations since 1991.
These declarations affected communities across Wharton County, including Wharton.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Wharton County
NOAA has recorded 28 flood events in Wharton County since 1996, causing $2.6M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Wharton County
FEMA has funded mitigation for 207 properties in Wharton County, investing $3.1M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Wharton County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $9.1M
Hurricane Risk
Relatively HighEst. annual loss: $14.2M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Wharton
Wharton faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Wharton are Zone AE, Zone A, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $9.1M.
Riverine flood risk in Wharton is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Wharton address.
Wharton, TX Flood Zone FAQ
What flood zones are in Wharton, TX?
The most common FEMA flood zones in Wharton are Zone AE, Zone A, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Wharton?
If your Wharton property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Wharton?
Enter your Wharton address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Wharton offer flood insurance discounts?
Yes. Wharton participates in FEMA's Community Rating System (CRS) with a Class 9 rating, qualifying residents in the Special Flood Hazard Area for up to a 5% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Wharton experienced major flooding events?
Wharton County, where Wharton is located, has been part of 16 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Beryl in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Wharton?
Wharton County has recorded 1,166 NFIP flood insurance claims totaling $51.5M in payouts since 1978. The year with the most claims was 2017, with 488 claims and $36.2M in payouts. These figures cover all NFIP claims in the county, including Wharton.
How many flood insurance policies are there in Wharton?
Wharton County had 2,267 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $850. The most policies are in Zone AE (1,234 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Wharton properties have flooded repeatedly?
Wharton County has 95 properties with multiple flood losses on record, including 11 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Wharton property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Wharton?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Wharton's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Texas Cities
Understanding Flood Zones
See the Flood Map for Any Wharton, TX Address
Enter a Wharton, TX address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.