Enter any address in Grayson County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Grayson County. Recent events include widespread showers and thunderstorms producing flash flooding on April 30, 2025, and substantial rainfall leading to flash flooding on August 30, 2025.
National Flood Insurance Program data indicates that properties in Zone A have experienced the most claims, with an average payout of $24,021 and an average water depth of 3.5 feet. Properties in Zone X, while fewer in number, have seen higher average payouts ($31,727) and deeper water on average (5.5 feet). Homeowners in Zone A and Zone X, as well as those in areas with unknown flood zone designations, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
31 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Grayson County, Texas has recorded 118 flood-related events since 1996 according to NOAA's Storm Events Database, including 97 flash floods and 20 river or area floods. The county has received 21 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 (1981–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 | Aug 30, 2011 |
| Hurricane Ike | Hurricane | Sep 7, 2008 |
| 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 |
|---|---|---|
| Flood | Aug 30, 2025 | 1.00K |
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flash Flood | May 25, 2024 | 0.00K |
| Flood | Dec 24, 2024 | 50.00K (2 deaths) |
| Flash Flood | May 23, 2024 | 0.00K |
| Flash Flood | Jul 23, 2024 | 2.00K |
| Flash Flood | Jul 23, 2024 | 1.00K |
| Flash Flood | May 22, 2024 | 0.00K |
| Flash Flood | May 12, 2024 | 18.00K |
| Flash Flood | May 12, 2024 | 0.00K |
Flood — Aug 30, 2025
A slow-moving summer frontal system, in conjunction with occasional disturbances embedded within the northwest flow aloft, generated multiple rounds of thunderstorms both preceding and during the Labor Day weekend. The predominant hazard observed was flash flooding, attributed to the substantial rainfall produced by some of these storms.
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 — May 25, 2024
Another round of dryline-induced convection took place the night of May 25 as a shortwave trough moved overhead. Thunderstorms were more isolated in nature, but one ambitious supercell produced multiple tornadoes the evening of May 25th. A total of 5 tornadoes were produced by the supercell as it moved across Montague, Cooke, Denton, Collin, and Hunt counties, and one more EF-2 occurred from a ...
Flood — Dec 24, 2024
Thunderstorms developed along a Pacific cold front as it and an upper level trough swept through the Plains on Christmas Eve 2024. The system produce a few severe storms across Central Texas and flash flooding in parts of North Texas. In addition, a brief EF-0 occurred in southwest Freestone County damaging 2 properties.
Flash Flood — May 23, 2024
With a highly unstable airmass in place, a meandering front, a dryline, and a shortwave trough all worked together to generate multiple rounds of thunderstorms May 23 and 24. In addition to large hail and damaging winds, multiple tornadoes also occurred along with a few instances of flash flooding. A total of 6 tornadoes occurred in Central and East Texas: 2 EF-1s, 3 EF-0s, and 1 EF-U.
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 Grayson 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 Grayson 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.