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Texas

Buying Land in Matagorda County, Texas

Matagorda County -- Bay City, on Matagorda Bay and the Gulf -- is a genuine coastal-hazard county: FEMA's own maps put nearly half the county's acreage in mapped wetlands, with real V-zone hurricane-surge exposure along the water and a locally adopted freeboard rule that goes beyond the federal floor. Groundwater here runs through a district managing an aquifer with documented subsidence risk.

A Genuinely Extreme Flood and Wetland Profile

Case-by-case / verify locally

Roughly 44% of Matagorda County's total acreage is mapped as wetlands, and the county includes real Coastal High Hazard Areas (FEMA Zone V/VE) along Matagorda Bay and the Gulf, plus a Limit of Moderate Wave Action (LiMWA) overlay that carries the same construction requirements as a V-zone. FEMA's effective Flood Insurance Study dates to January 2021, and revised preliminary maps were released for public review and appeal in January 2025 -- meaning flood-zone boundaries here have been actively re-drawn recently. See the standalone flood-zones page for what this means for a specific parcel, including the county's own 2-foot local freeboard requirement.

Groundwater Managed by a District, With a Real Subsidence Flag

Case-by-case / verify locally

The Coastal Plains Groundwater Conservation District, created in 2001, covers Matagorda County and manages the Gulf Coast Aquifer -- about 96% of the groundwater pumped in the county goes to agricultural irrigation. The aquifer here is specifically flagged as carrying medium-to-high subsidence risk, a genuine consideration for any structure or drainage system on land that could be affected by long-term ground-surface lowering tied to groundwater withdrawal. Confirm current well-permitting rules directly with the district ((979) 323-9170) before drilling.

The County Runs Its Own Septic and Floodplain Programs

Generally favorable

Matagorda County administers on-site sewage facility (OSSF) permitting directly through its Environmental Health Department in Bay City, and that same office administers the county's floodplain-development permit program -- meaning there's a single local point of contact for both septic siting and flood-zone construction requirements, rather than routing purely through a distant TCEQ regional office. Matagorda County falls within TCEQ Region 12 (Houston) for any function the county does not handle itself.

Groundwater: a coastal aquifer with a real subsidence question

Matagorda County is covered by the Coastal Plains Groundwater Conservation District, created in 2001 to manage groundwater resources in the county, which draws primarily on the Gulf Coast Aquifer System. The scale of use here skews heavily agricultural: roughly 96% of groundwater pumped in the county serves irrigation, with municipal and commercial use accounting for about 3% and domestic/livestock use making up the remainder. That heavy irrigation draw matters beyond simple supply planning, because the Gulf Coast Aquifer System underlying Matagorda County is specifically identified as carrying medium-to-high land subsidence risk -- a genuine, documented concern along the Texas Gulf Coast where decades of groundwater withdrawal have measurably lowered ground surfaces in parts of the region. For a buyer, that's worth asking the district about directly, especially for any parcel where drainage, foundation stability, or long-term flood exposure could be affected by gradual subsidence rather than storm events alone.

A coastal county in the fullest sense: wetlands, hurricane zones, and a moving flood map

Matagorda County's flood and wetland profile is genuinely extreme relative to most Texas counties, and the numbers are specific and checkable rather than a vague "it's the coast" caution: FEMA data puts approximately 44% of the county's total acreage inside mapped wetlands, and the county includes real Coastal High Hazard Areas -- FEMA Zone V and VE -- along Matagorda Bay and the open Gulf, where storm-surge wave action drives construction requirements well beyond a standard inland flood zone. A Limit of Moderate Wave Action (LiMWA) overlay extends the same mitigation and construction standards that apply in a V-zone to additional adjacent land. FEMA's currently effective Flood Insurance Study for the county is dated January 15, 2021, and the agency released revised preliminary flood maps for Matagorda County for public review and appeal in January 2025 -- meaning the flood-zone boundaries that matter for a specific parcel have been actively reconsidered recently and are worth checking against the very latest maps rather than an older reference. A standalone flood-zones page covers the county's own locally adopted freeboard and construction requirements in more depth.

On the administrative side, Matagorda County's own Environmental Health Department, based in Bay City, handles both on-site sewage facility (OSSF/septic) permitting and floodplain-development permitting for the unincorporated county -- a genuinely useful consolidation, since a new septic system and a new structure on the same coastal parcel will often need to clear both reviews together. For any TCEQ function the county itself doesn't handle, Matagorda County falls within TCEQ Region 12, headquartered in Houston. Confirm current fees and required site work directly with the county before budgeting either a septic system or new construction.

Who to Call Before Buying Land in Matagorda County

Matagorda County has no general zoning ordinance for its unincorporated area, consistent with the statewide default; contact the county's Commissioners Court for subdivision and platting questions. This research did not independently confirm Matagorda County's formal TCEQ OSSF authorized-agent status, though the county's own Environmental Health Department clearly administers septic permitting locally -- confirm directly.

Environmental Health

Matagorda County Environmental Health Department

On-site sewage facility (OSSF/septic) permit applications for unincorporated land.

Phone: (979) 244-2717Official website →

Floodplain / Stormwater

Matagorda County Environmental Health Department (Floodplain Administration)

Floodplain development permits, elevation certificates, freeboard requirements, and V-zone construction certification.

Phone: (979) 244-2717Official website →

Wells / Private Water

Coastal Plains Groundwater Conservation District

Well registration and permitting for parcels in Matagorda County.

Phone: (979) 323-9170Official website →

Assessor / Property Tax

Matagorda County Appraisal District

Assessed value, property tax, and agricultural (ag/wildlife) valuation questions for a specific parcel.

Phone: (979) 244-2031Email: mcad@co.matagorda.tx.usOfficial website →

Recorder / Clerk / Land Records

Matagorda County Clerk

Recorded deeds, easements, plats, and land-record history for a specific parcel.

Phone: (979) 244-7680Official website →

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Topics Specific to Matagorda County

Flood Zones in Matagorda County: V-Zones, Freeboard & Wetlands →

Sources

  1. Home — Coastal Plains Groundwater Conservation District (accessed 2026-09)
  2. Local Groundwater District promotes water conservation — Bay City Tribune (accessed 2026-09)
  3. Texas Gulf Coast Groundwater and Land Subsidence Program — U.S. Geological Survey (accessed 2026-09)
  4. PUBLIC INVITED TO APPEAL OR COMMENT ON FLOOD MAPS IN MATAGORDA COUNTY, TEXAS — Federal Emergency Management Agency (FEMA) (accessed 2026-09)
  5. Revised Preliminary Flood Maps for Matagorda County, Texas are Ready for Public View — Federal Emergency Management Agency (FEMA) (accessed 2026-09)
  6. On-Site Septic Information — Matagorda County Environmental Health Department (accessed 2026-09)
  7. Which TCEQ Region is My County In? — Texas Commission on Environmental Quality (TCEQ) (accessed 2026-09)
  8. Matagorda County Appraisal District — Matagorda County Appraisal District (accessed 2026-09)

Last reviewed 2026-09