Blog · October 14, 2026 · Texas
Fannin County Flood Zone Map (Texas)
Look up any Fannin County address on FEMA's flood map, read the zone, and match it to the parcel record for land around Bonham.
Main page: Fannin County, TX GIS & Parcel Viewer (official map link, Fannin County facts and neighboring maps).
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The Fannin County flood zone map question tends to arrive at a bad moment: a lender's letter, an insurance quote, or a permit counter in Bailey. FEMA's free Flood Map Service Center and the Fannin County parcel viewer answer it together.
We'll cover finding a Fannin County address on FEMA's map, what Zone A, AE and X mean, how the county viewer fits in, and what to do if the map looks wrong.
Look up the Fannin County flood zone map step by step
The authoritative source for a Fannin County flood zone map is FEMA, so begin at the FEMA Flood Map Service Center. The site returns the effective Flood Insurance Rate Map (FIRM) panel covering that Honey Grove location, which you can view or download. On acreage outside Honey Grove, FEMA's National Flood Hazard Layer viewer draws the zones over aerial imagery, so you can see whether the shading reaches a house near Leonard. Switch to the Fannin CAD interactive map and locate the same tract close to Leonard. Match the Fannin County lines and acreage to the FEMA view, since flood maps don't draw property lines in detail.
Step one: the free Fannin County viewer
The county's own public map is the Fannin CAD interactive map, built on a BIS Consulting map viewer, and it opens without an account for parcels in Bonham and the rest of the county. Search the county appraisal map by owner, address or property ID; the pop-up for a tract close to Bonham lists the account and legal description. Our Fannin County, TX page keeps the official link and the maps next door to Bailey in one place.
Zone A, AE and X in plain English
Any Fannin County parcel shaded as Zone A, AE, AH or AO sits in what FEMA calls a Special Flood Hazard Area, meaning FEMA estimates a 1-percent annual chance of flooding. Zone AE near Leonard means FEMA published a base flood elevation; plain Zone A means no detailed elevation was studied. Land near Leonard in shaded X (Zone B on older maps) sits in the moderate band between the 100-year and 500-year floods. Clear, unshaded X near Honey Grove is outside the 500-year floodplain.
Low ground and small streams around Honey Grove
A creek near Leonard that lists no detailed zone, so treat an unmapped channel as a reason to ask questions, not proof the ground stays dry.
Recorded documents in Fannin County, Texas
For land near Bonham, the deed itself lives in the county recording office, and the map is an index to it. Like every Texas county, Fannin County has its own appraisal district; it values property for all the local taxing units, while each unit sets its own rate. Copy the parcel identifier and legal description from the county record before you request a deed for land near Ector.
Neighboring maps around Fannin County
Fannin County borders Bryan County, OK, Collin County, Delta County, Grayson County, and Hunt County, and each keeps its own parcel map and records. Our Texas page links each map neighboring Fannin County.
Flood insurance and building rules in Fannin County
Lenders watch the zone closely on Fannin County properties. When a structure near Leonard is mapped in a high-risk zone and is financed by a regulated or federally insured lender, federal rules call for flood insurance; that applies where the local government around Leonard is in the National Flood Insurance Program. Outside the A zones around Leonard, insurance is a choice, not a mandate, although some lenders require it anyway. When a county homesite is on a rise inside a mapped zone, FEMA's LOMA process allows a review; a surveyor near Leonard can supply the elevation data. Building or filling inside a mapped zone near Honey Grove has to meet local floodplain rules, and the building office serving Leonard explains the steps.
From Bonham to the back roads
Bonham is the county seat, and Bailey, Ector, Honey Grove, and Leonard are among the other towns on the county map. Smaller places such as Bug Tussle, Duplex, and Elwood appear on the Fannin County map as little clusters of lots. Fannin County had an estimated 37,571 people in 2023 (Census Bureau), spread across about 891 square miles. Beyond the town lots in Bailey, expect big rural parcels across the county.
Fannin County, TX: common questions
Is Zone AE near Bailey high risk?
Zone AE on a lot in Ravenna is a mapped 100-year floodplain with a base flood elevation, so mandatory insurance rules apply to federally backed mortgages.
Who prepares an elevation certificate for a house in Ravenna?
Hire a professional surveyor or engineer who works in Fannin County; ask the local floodplain office first in case one exists.
Is flood insurance required for a Zone X lot in Ravenna?
FEMA does not require it for a Zone X lot in Ravenna, but coverage is available and some lenders ask for it.
Is my Ravenna address in a flood zone?
Look it up at FEMA's Flood Map Service Center, then match the parcel lines in the Fannin CAD interactive map; for land near Bailey, a zone starting with A or V is high risk.
Can I build in a flood zone in Fannin County?
Building in a Special Flood Hazard Area near Ravenna typically needs a floodplain permit and may require elevating the structure, so check with the county floodplain administrator.
Open the official Fannin County, TX parcel map Fannin County 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.