Enter any address in Fannin County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event recorded in Fannin County, TX over the past 30 years, with 53 such events noted. For example, localized flooding occurred in August 2025 due to significant rainfall from a series of storms. Widespread showers and thunderstorms also caused flash flooding in May 2024, impacting several locations.
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 $19,682 for 0.9 feet of water depth. However, Zone X properties have seen higher average payouts of $37,061, with an average water depth of 2.5 feet, despite fewer claims. Homeowners in Zone A, and those in Zone X with higher average water depths, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Fannin County, Texas has recorded 71 flood-related events since 1996 according to NOAA's Storm Events Database, including 53 flash floods and 16 river or area floods. The county has received 20 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 And Flooding | Flood | Sep 10, 2018 |
| 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 |
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 | Aug 12, 2025 | 10.00K |
| Flash Flood | May 22, 2024 | 0.00K |
| Flash Flood | May 12, 2024 | 25.00K |
| Flood | Apr 24, 2022 | 0.00K |
| Flood | Feb 24, 2018 | 0.00K |
| Flash Flood | Sep 22, 2018 | 10.00K |
| Flash Flood | Aug 13, 2017 | 5.00K |
| Flash Flood | Aug 13, 2017 | 2.00K |
| Flash Flood | Aug 13, 2017 | 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 — 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...
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.
Flood — Apr 24, 2022
A slow-moving cold front helped to generate showers and thunderstorms across much of the region. Some storms produced heavy rain along the Red River that resulted in nuisance flooding and flash flooding.
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 Fannin 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 Fannin 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.