Enter any address in Collin County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Collin County, TX, with 96 recorded instances in the last 30 years. Other flood types include 10 general flood events and one tropical storm. Recent examples include flash flooding on April 30, 2025, caused by slow-moving thunderstorms, and isolated flash flooding reported on September 22, 2025, following severe thunderstorms.
National Flood Insurance Program (NFIP) data shows that Zone X areas have experienced the highest number of claims (135) with an average payout of $17,557 and an average water depth of 6.0 feet. Zone A areas have had 103 claims with an average payout of $17,179 and an average water depth of 1.0 foot. Homeowners in Zone A, and those in Zone X with higher water depths, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
31 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Collin County, Texas has recorded 107 flood-related events since 1996 according to NOAA's Storm Events Database, including 96 flash floods and 10 river or area floods. The county has received 20 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1966–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Ike | Hurricane | Sep 7, 2008 |
| Hurricane Gustav | Hurricane | Aug 27, 2008 |
| Wildfires | Fire | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 16, 2007 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 31, 2025 | 10.00K |
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flash Flood | Sep 22, 2025 | 1.00K |
| Flash Flood | Jun 9, 2025 | 2.00K |
| Flash Flood | Apr 5, 2025 | 0.00K |
| Flash Flood | Jun 3, 2025 | 50.00K |
| Flash Flood | Jun 3, 2025 | 0.00K |
| Flash Flood | May 30, 2024 | 0.00K |
| Flash Flood | May 30, 2024 | 6.00K |
| Flash Flood | May 28, 2024 | 5.00K |
Flash Flood — Aug 31, 2025
A slow-moving summer frontal system, in conjunction with occasional disturbances embedded within the northwest flow aloft, generated multiple rounds of thunderstorms both preceding and during the Labor Day weekend. The predominant hazard observed was flash flooding, attributed to the substantial rainfall produced by some of these storms.
Flash Flood — Apr 30, 2025
A slow moving front and an upper trough generated scattered thunderstorms on April 29, and widespread showers and thunderstorms on April 30, across much of North and Central Texas. Some of these storms became severe with large hail and damaging winds, but the most impactful weather was flash flooding due to the slow movement of the front and the resulting ���training��� of thunderst...
Flash Flood — Sep 22, 2025
On the afternoon of September 21, North Texas experienced explosive thunderstorm development due to a shortwave trough and a meandering front interacting with a warm, unstable environment. These storms persisted through the evening and dissipated overnight into the morning of September 22. Multiple storms produced reports of large hail and damaging winds, with some isolated instances of flash f...
Flash Flood — Jun 9, 2025
A highly unstable and strongly sheared environment set the stage for an evening of severe weather, as a line of thunderstorms pushed south from the Southern Plains into North Texas on June 8. Widespread wind damage, scattered large hail reports and a few tornadoes occurred as storms continued south overnight into the early morning hours of June 9.
Flash Flood — Apr 5, 2025
Multiple rounds of showers and storms occurred as a cold front moved through North Texas and stalled in East/Central Texas. These storms produced large hail, damaging winds, a tornado, lightning related damage, and flash flooding. The largest hail stone fell in Eastland County on the 3rd, with a diameter of 2.5 inches. A EF-0 tornado was found to have occurred in Van Zandt County on the 4th.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Collin County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Collin County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.