Enter any address in Denton County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Denton County. Over the last 30 years, NOAA Storm Events data shows 126 flash flood events and 28 flood events, resulting in 7 fatalities. For example, flash flooding occurred on September 22, 2025, following severe thunderstorms that produced large hail and damaging winds. Another instance of flash flooding was recorded on May 18, 2025, during a period of intense thunderstorm activity.
National Flood Insurance Program (NFIP) claim data indicates that properties in Zone A experienced an average water depth of 2.3 feet with an average payout of $21,943. Properties in Zone X, which includes areas with lower flood risk, saw an average water depth of 5.8 feet and an average payout of $19,009. Homeowners in Zone A, as well as those in Zone X, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
50 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Denton County, Texas has recorded 155 flood-related events since 1996 according to NOAA's Storm Events Database, including 126 flash floods and 28 river or area floods. The county has received 24 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 (1974–2024)
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 |
| 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flash Flood | Apr 30, 2025 | 500.00K |
| Flash Flood | Sep 22, 2025 | 2.00K |
| Flash Flood | Sep 22, 2025 | 5.00K |
| Flash Flood | May 18, 2025 | 0.00K |
| Flash Flood | Jun 3, 2025 | 0.00K |
| Flash Flood | Jun 3, 2025 | 60.00K |
| Flash Flood | May 28, 2024 | 40.00K |
| Flash Flood | Dec 26, 2024 | 8.00K |
| Flash Flood | Dec 24, 2024 | 0.00K |
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 — May 18, 2025
On the afternoon of May 18, scattered thunderstorms ignited over the Big Country, initiated by an upper trough digging southeast over the Intermountain West. These storms formed along a dryline and rapidly intensified, spreading east into western North Texas. Several of these storms produced large hail, damaging winds, and tornadoes. A total of 6 tornadoes were surveyed were Eastland to Parker ...
Flash Flood — Jun 3, 2025
On June 3 and 4, a cold front and a dryline served as focal points for thunderstorm development across North and Central Texas. These storms were associated with several instances of severe weather and flooding. Unfortunately Unfortunately one person died due to flooding in Dallas County, and a lightning strike killed one person and severely injured another person in Grayson County.
Flash Flood — May 28, 2024
On the heels of the May 27th evening hail event, another batch of thunderstorms developed near the Red River during the overnight hours as a shortwave trough moved through the Plains. These storms eventually grew upscale into an organized complex, diving southeast early on the morning of May 28. An intense bow echo caused widespread wind damage from the northern parts of DFW, through the easter...
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 Denton 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 Denton 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.