Flood Zones

Check FEMA flood maps before buying property near creeks or the lake in Rockwall County

Parts of Rockwall County along creeks and the East Fork Trinity River sit in FEMA-designated flood zones that require flood insurance for federally backed mortgages.

Rockwall County Home & Property

FEMA maintains official Flood Insurance Rate Maps (FIRMs) for Rockwall County. Properties in a Special Flood Hazard Area (Zone A or AE) have a 1% or greater chance of flooding each year. If you have a federally backed mortgage on such a property, your lender will require flood insurance.

Rockwall County's official website has a dedicated flood information page. You can search any address at the FEMA Flood Map Service Center (msc.fema.gov) to see what flood zone applies. Even properties outside a mapped flood zone can flood — flood insurance is available to anyone, not just those required to buy it. Check maps before making an offer on any home near the lake shoreline, the East Fork Trinity River, or local creeks.

Source to confirm: FEMA Flood Map Service Center

More Rockwall County notes

Property Tax Basics

Two offices handle your property taxes in Rockwall County

Rockwall County splits property tax duties between two separate offices, and knowing which does what saves you a wasted trip.

Read note ->

Homestead Exemption

Homestead exemption cuts your school tax bill in Rockwall County

Texas law requires every school district to give homeowners a $140,000 exemption on their home's appraised value, which directly lowers your tax bill.

Read note ->

Senior & Disability Exemption

Extra homestead exemption for seniors and disabled homeowners in Rockwall

Homeowners aged 65 or older, or those with a qualifying disability, get an extra $60,000 off their home's school district appraised value.

Read note ->

Ag Valuation

Agricultural valuation can lower taxes on rural land in Rockwall County

Land used for farming, ranching, or wildlife management may qualify to be taxed on its farm productivity value instead of its market value, which is often much lower.

Read note ->