Blog · October 14, 2026 · Texas
Commerce Flood Zone Map: checking a property's flood zone
Flood zones are set by FEMA, and checking one near Celeste takes a few minutes.
Main page: Hunt County, TX GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Before an offer near Wolfe City, check the Commerce flood zone map: FEMA's zone label affects insurance, permits and resale. In this Commerce guide: locating a parcel on FEMA's map, decoding A, AE and X, and pairing it with the Hunt CAD map.
The Commerce flood zone map: start here
The official source is FEMA's Flood Map Service Center: search an address around Lone Oak, then open the map view for that panel. Vacant ground around Celeste can still be found: zoom in from the nearest road and click inside the land.
The viewer Hunt County publishes
Go first to the Hunt CAD map; it includes each assessed parcel around Greenville and Wolfe City. Out toward Neylandville, put in a street address, an owner's name or a parcel number, then pick the result to center the map on it. With a lot near Greenville, write down the parcel ID while you have it open; each records desk in the county uses it to find the file.
Low spots and local drainage
Creeks and ditches near Celeste aren't always studied in detail, so ask neighbors about past flooding. Marshy spots near Lone Oak can limit building too; check the National Wetlands Inventory mapper for a first look.
A quick look at the area
Greenville serves as the county seat, which is where the courthouse records live. Smaller places on the map include Campbell, Neylandville, and Wolfe City, each with its own cluster of lots. Around 113,347 people call Hunt County home (Census Bureau estimate, 2023) spread over some 840 square miles. Hunt County was formed in 1846, and some chains of title near Greenville are long.
What to request from a seller
Request whether the home has flooded on the property near Greenville; getting a quote early avoids surprises.
Where Commerce fits in
Commerce lies within Hunt County, Texas, and the county assessor maps its lots. If you're looking near Lone Oak, City or town hall handles matters such as zoning, permits and utilities within town limits, while the county keeps the tax map. Lots just outside the town limits out by Greenville usually falls under county rules instead.
What the zone letters mean
An AE label comes with a base flood elevation, and an unnumbered A zone has none; that elevation drives building rules near Neylandville. Near Lone Oak, shaded Zone X is moderate risk, between the 1% and 0.2% annual chance floods; unshaded X is minimal risk.
Getting answers from the right desk
Questions about value or the owner field for land near Celeste go to the appraisal district, which maintains the tax roll. Zoning, permits and septic questions near Celeste need the planning or permitting office, and the answer depends on jurisdiction.
A word on accuracy
Parcel lines are drawn for taxes, not surveyed, so a fence near Greenville can sit several feet off the line on screen. For property near Lone Oak, records update in batches, so a deed recorded last month can take weeks to appear.
Taking the map into the field
The parcel map usually runs in a mobile browser, which helps when you're standing on land near Lone Oak, though signal can drop in rural spots. A saved image of the lot near Neylandville and its lines is a good backup.
Matching the zone to the lot lines
FEMA doesn't draw property lines, so check the Hunt CAD map too to see exactly which lot near Celeste you're looking at.
Money questions tied to the zone
For land near Celeste, ask for an Elevation Certificate: it records the building's elevation against the base flood. New construction in a floodplain near Neylandville can trigger elevation rules; check with the county or town building office before you plan.
Sections, lots and bearings
Tracts outside towns near Neylandville are often described by metes and bounds, a series of courses and distances from a starting point. Subdivision lots in Neylandville are typically described by lot and block, making them easier to find. Write down the legal description for the tract near Greenville when you talk to a surveyor.
Where the recorded documents are
When the details count, request the recorded deed from the County Clerk; the parcel map near Campbell only summarizes it. Long-held tracts around Wolfe City may go back through many deeds, and a title company can sort it out if money is changing hands.
Frequently asked
What is a LOMA in Commerce?
It depends, but FEMA's LOMA process is the usual route when a building near Wolfe City sits above the base flood elevation, and lenders accept the result.
Does the county parcel map show flood zones for land near Lone Oak?
Short answer: a flood layer may appear in the Hunt CAD map layer list; confirm a lot near Celeste on FEMA's map either way.
How often are flood maps updated in Commerce?
Short answer: zones near Neylandville can shift when FEMA updates a panel; your community is notified before changes take effect.
Is AE a high-risk flood zone around Celeste?
For most people, AE is a Special Flood Hazard Area with a published base flood elevation, which shapes building rules near Wolfe City.
Does the parcel map work on a phone near Celeste?
In and around Campbell, most viewers run in a mobile browser; screenshots help offline.
Open the official Hunt County, TX parcel map See it in the Platbookmapper directory
Not a survey. County GIS and tax parcel maps are assessment and planning layers. They are not a substitute for a recorded plat, deed, or licensed survey, especially for fences, setbacks, or boundary disputes.