Blog · October 14, 2026 · Texas
The Montague County Flood Zone Map: a Texas guide
FEMA's free flood maps and the Montague County parcel viewer, used together for property near St. Jo.
Main page: Montague County, TX GIS & Parcel Viewer (official map link, Montague County facts and neighboring maps).
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Land along the creek bottoms near Bonita and the flats outside Bowie are where a Montague County flood zone map lookup matters most. For any tract in Montague County, Texas, the answer affects insurance, permits and resale.
Next: FEMA's search tool, the zone labels you'll see for Montague County, and how the parcel record confirms which tract you're on.
How to check the Montague County flood zone map
FEMA's official flood maps for Montague County are free at the FEMA Flood Map Service Center. Search returns the effective FIRM panel for the spot in Montague County, plus any pending changes FEMA has posted. For an interactive view of the county, FEMA's National Flood Hazard Layer viewer draws the zones over aerial imagery and reports the zone wherever you click near Bowie. Then open the Texas county CAD map for Montague County to confirm the parcel near Bowie. Laying the county parcel outline beside the FEMA shading displays whether a homesite near St. Jo sits above or inside the zone.
Finding the tract on the Montague County map
For land around Nocona, open the Texas county CAD map (the ProdigyCAD maps portal); it is the map Montague County itself publishes. Search the county appraisal map by owner, address or property ID; the pop-up for a tract near Bowie displays the account and legal description. Our Montague County, TX page keeps the official link and the maps next door to Nocona in one place.
Near the Montague County line
Near the edge of the county, check the next map over: Jefferson County, OK, Love County, OK, Clay County, Cooke County, and Jack County all border it. Our Texas page links each map neighboring Montague County.
Towns and land across Montague County
Montague is the county seat, and Bowie, Nocona, and St. Jo are among the other towns on the county map. Unincorporated communities in the county, including Nocona Hills, Ringgold, and Sunset, show up as small groups of parcels along the roads. Roughly 931 square miles of land and about 21,598 residents (2023 estimate) make up Montague County. Beyond the town lots in Bowie, expect big rural parcels across the county. Montague County was organized in 1858, so deeds for older farms near St. Jo can run back a long way.
Deeds and plats behind the Montague County map
Deeds and plats behind the Montague County map are kept by the county's recording office; the official Montague County website names which office that is. Property values in Montague County come from its appraisal district, a separate political subdivision with its own board that sets one value per property for every local taxing unit. A deed book and page or instrument number on the county record is the fastest way to pull the document for a lot in St. Jo.
High, moderate and minimal risk in Montague County
On the FIRM covering Montague County, zones that start with A or V are Special Flood Hazard Areas, meaning FEMA estimates a 1-percent annual chance of flooding. Zone AE near St. Jo means FEMA published a base flood elevation; plain Zone A means no detailed elevation was studied. Land near St. Jo in shaded X (Zone B on older maps) falls between the base flood and the 500-year flood. Unshaded X (or C) on the Montague County panel means minimal risk.
Low ground and small streams around Bowie
A creek near St. Jo that displays no detailed zone can still flood; FEMA says moderate- and low-risk areas still carry risk.
When the map affects a deal
Here's why the zone matters at a closing in Bowie. When a structure near St. Jo sits in a Special Flood Hazard Area and secures a loan from a federally regulated or insured lender, a flood policy becomes a loan condition, as long as Montague County or the town participates in the NFIP. Outside the A zones around St. Jo, coverage is optional, although a lender in Texas can still ask for it. If a building near St. Jo sits above the flood line, a Letter of Map Amendment request is the formal route, generally backed by an elevation certificate from a surveyor who works in the county. Placing fill on low ground near Bowie has to meet local floodplain rules; the county floodplain administrator can say what applies.
Montague County, TX: common questions
How can I check a Montague County, TX flood zone?
Look it up at FEMA's Flood Map Service Center, then match the parcel lines in the Texas county CAD map; for land near St. Jo, a zone starting with A or V is high risk.
What does Zone AE mean on a Montague County flood map?
Zone AE on a lot in Bowie is a mapped 100-year floodplain with a base flood elevation, so mandatory insurance rules apply to federally backed mortgages.
Can I build in a flood zone in Montague County?
Often, but local floodplain rules apply; ask the county or town building office in Bowie well before you buy.
What if FEMA's map is wrong about my house near St. Jo?
An owner near St. Jo can request a Letter of Map Amendment from FEMA with elevation data, generally from a licensed surveyor.
Does the Montague County parcel map show flood zones?
Check the layer list in the Texas county CAD map; if Montague County includes a floodplain layer, confirm the zone on FEMA's map anyway.
Open the official Montague County, TX parcel map Montague 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.