Enter any address in Franklin County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Franklin County, TX. Between 1994 and 2024, NOAA Storm Events data recorded 21 flash flood events and 3 general flood events. Recent examples include flash flooding on April 26, 2024, associated with strong thunderstorms, and persistent rains leading to flash flooding on February 12, 2020.
National Flood Insurance Program (NFIP) claims data indicates that flood events have occurred in areas with unknown flood zones and in Zone A. Claims in Zone A averaged $25,668 with an average water depth of 3.0 feet, while claims in unknown zones averaged $21,361 with an average water depth of 6.1 feet. Homeowners in areas with known flood risks, particularly those in or near Zone A, and those in areas where flood zones are not identified, should pay close 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.
Franklin County, Texas has recorded 25 flood-related events since 1996 according to NOAA's Storm Events Database, including 21 flash floods and 3 river or area floods. The county has received 20 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1998–2023)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 30, 2023 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Tropical Storms Marco And Laura | Hurricane | Aug 23, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | Sep 10, 2018 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Dec 26, 2015 |
| Wildfires | Fire | Aug 30, 2011 |
| Wildfires | Fire | Apr 6, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Apr 26, 2024 | 0.00K |
| Flash Flood | Feb 12, 2020 | 0.00K |
| Flood | Feb 22, 2018 | 0.00K |
| Flash Flood | Feb 21, 2018 | 0.00K |
| Flash Flood | Jul 5, 2017 | 0.00K |
| Flash Flood | Dec 27, 2015 | 0.00K |
| Flash Flood | Dec 12, 2015 | 0.00K |
| Flash Flood | Mar 20, 2012 | 0.00K |
| Flash Flood | Jun 10, 2010 | 0.00K |
Flood — Apr 4, 2025
A stationary front extended across portions of Northeast Texas and Southwest Arkansas during the early morning hours on April 4th, but lifted north into Southeast Oklahoma and Western Arkansas during the day. This was in response to an intensifying low level jet that developed ahead of a large upper trough that extended from the Intermountain West into the Plains, which provided the necessary l...
Flash Flood — Apr 26, 2024
A large cluster of strong to severe thunderstorms developed across Northeast Texas late in the afternoon on April 26th. These thunderstorms formed on the north side of a weak surface theta-e gradient, with southwest winds just off the surface aiding in warm air advection and inflow across the region. This cluster of thunderstorms maintained severe intensity for several hours with numerous repor...
Flash Flood — Feb 12, 2020
Areas of showers remained persistent across much of the Ark-La-Tex through much of the day on February 11th, along the subtropical jet stream that extended over much of Texas and the Lower Mississippi Valley ahead of a strong upper level low pressure system just off the Northwest Baja California coast. These rains primed the already wet soils on the 11th, before the low pressure system began to...
Flood — Feb 22, 2018
An upper level low pressure system progressed east southeast from the Pacific Northwest into the Central and Southern Rockies on the morning of February 20th, reinforcing a cold front slowly southeast into Southeast Oklahoma, Northeast Texas, and Southwest Arkansas during the early morning hours of February 21st. A deep southwest flow aloft was present along and behind the front across the Sout...
Flood — Feb 22, 2018
Widespread heavy rainfall resulted in major flooding along the Sulphur River in Northeast Texas during the final week of February.
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 Franklin 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 Franklin 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.