60 flood insurance claims·$1.7M paid·5 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Fannin County, Texas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from slow-moving thunderstorms dominates the flood profile of Fannin County, supported by 53 flash flood events, 16 general flood events, and 2 tropical storm events recorded over the last 30 years. Storm patterns driven by frontal boundaries, upper troughs, and storm training frequently produce localized inundation. For instance, a slow-moving front and upper trough generated widespread showers and flash flooding on April 30, 2025. Similarly, an upper-level trough created overnight showers and storms that resulted in localized flooding on August 12, 2025.
National Flood Insurance Program records indicate that flood risks extend beyond designated high-risk areas. Zone A accounts for the highest claim volume with 47 claims, averaging a $37,645 payout and an average recorded water depth of 2 inches. Meanwhile, Zone X properties have recorded 11 claims with an average payout of $67,945 and an average recorded water depth of 4 inches, and Zone X shaded areas have recorded 2 claims with an average payout of $5,155 and an average recorded water depth of 2 inches. Homeowners, real estate agents, and journalists should pay the closest attention to properties in high-risk Zone A, as well as properties in Zone X where lower-frequency events have produced higher average claim payouts and deeper recorded water depths.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
4% of Fannin County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
49 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 2 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2018, with 16 claims and $1.1M paid, the year of Severe Storms and Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
9 NOAA storm reports from Fannin County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
20 federal disaster declarations since 1966, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildfires | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Jun 16, 2007 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
71 since 1996: 53 flash floods and 16 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | — |
| Flash Flood | Aug 12, 2025 | $10,000 |
| Flash Flood | May 22, 2024 | — |
| Flash Flood | May 12, 2024 | $25,000 |
| Flood | Apr 24, 2022 | — |
| Flood | Feb 24, 2018 | — |
| Flash Flood | Sep 22, 2018 | $10,000 |
| Flash Flood | Aug 13, 2017 | $5,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 thunderstorms along and near…
Flash Flood · Aug 12, 2025. An upper-level trough situated over Texas and the Southern Plains created a series of showers and storms across North Texas during the overnight hours of August 11th into August 12th, and again on the morning of August 13th. Significant rainfall from a few of these storms resulted in localized flooding.
Flash Flood · May 22, 2024. Isolated thunderstorms associated with the dryline occurred on May 21. Much more widespread thunderstorm activity took place on May 22 as a cold front sagged south into the area and a strong jet stream developed aloft. Large hail, damaging winds, and flash flooding affected several locations on the 22nd. An EF2 tornado occurred in the Temple area of Central Texas, causing significant damage and injuring dozens of…
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.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Fannin County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.