Enter any address in Cooke County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Cooke County. Between 2000 and 2020, NOAA Storm Events data recorded 66 flash flood events and 10 general flood events. For example, an upper-level low brought severe weather, including flash flooding, to the region on October 24, 2025.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced the highest number of claims, with an average payout of $31,365 and an average water depth of 8.3 feet. Properties in less regulated zones, such as X_UNSHADED and X, have also seen claims with average payouts ranging from $19,110 to $30,011 and water depths from 2.6 to 3.8 feet.
Homeowners in Zone A, as well as those in other designated flood zones and areas with unknown flood risk, should pay close attention to flood risk. Properties located in areas prone to flash flooding, particularly those near waterways or in low-lying terrain, may be at higher risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
25 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Cooke County, Texas has recorded 76 flood-related events since 1996 according to NOAA's Storm Events Database, including 66 flash floods and 10 river or area floods. The county has received 22 federal disaster declarations, 4 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 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jun 16, 2007 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Oct 24, 2025 | 20.00K |
| Flash Flood | Oct 24, 2025 | 5.00K |
| Flash Flood | May 30, 2024 | 0.00K |
| Flash Flood | May 12, 2024 | 6.00K |
| Flash Flood | May 9, 2024 | 0.00K |
| Flood | Jan 10, 2020 | 0.00K |
| Flash Flood | Jan 10, 2020 | 0.00K |
| Flash Flood | Sep 21, 2018 | 0.00K |
| Flash Flood | Jun 2, 2016 | 0.00K |
| Flash Flood | May 28, 2015 | 0.00K |
Flash Flood — Oct 24, 2025
An upper-level low brought two main rounds of thunderstorms to North and Central Texas during the last week of October 2025. The first, and most severe, was a large storm complex on the evening of October 24, followed by isolated activity on the afternoon of October 25. Severe weather primarily consisted of thunderstorm wind damage and isolated instances of flash flooding.
Flash Flood — May 30, 2024
Another complex of thunderstorms moved southeast through North and Central Texas during the day on May 30, producing scattered wind damage and severe hail along with some flash flooding. A second round of storms initiated along the dryline Thursday evening, producing more severe weather and flash flooding overnight into the early morning hours of May 31. After above normal rainfall throughout t...
Flash Flood — May 12, 2024
A pair of shortwave troughs generated two rounds of thunderstorms; one on May 11 and the other on May 12. Most storms occurred on Sunday as the second and stronger disturbance moved overhead. Some storms became severe producing hail up to golf ball sized, but flash flooding became the main impact with the later round of storms on May 12th, especially in Central Texas.
Flash Flood — May 9, 2024
Severe thunderstorms impacted counties along the Red River and in the northeastern portions of North Texas on May 8th. Hail up to golf ball size was the main impact, but 2 small tornadoes occurred in rural parts of Lamar County. On May 9th, scattered thunderstorms developed along and ahead of a cold front as a shortwave trough moved overhead. These storms produced large hail up to softball size...
Flood — Jan 10, 2020
A deep upper level trough and a humid and unstable environment resulted in an early severe weather event across North and Central Texas. Severe storms developed in the afternoon hours to the northwest and north of the DFW Metroplex. These storms eventually developed into an expanding squall line. A total of 5 tornadoes occurred with this event along with some damaging wind and smaller-sized hail.
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 Cooke 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 Cooke 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.