239 flood insurance claims·$4.0M paid·6 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 Gregg 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 driven by summer thunderstorms and frontal boundaries dominates the flood risk profile in Gregg County, TX, with 88 flash flood events recorded over the last 30 years compared to 15 general flood events and 1 tropical storm. Recent historical events include flash flooding driven by stationary frontal boundaries and upper-level systems in May and August 2025.
National Flood Insurance Program records indicate that flood risks affect properties across multiple zones. Zone A accounts for 110 claims with an average payout of $31,572 and an average recorded water depth of 7 inches. Meanwhile, Zone X properties experienced 58 claims averaging $16,495 with an average recorded water depth of 13 inches, unshaded Zone X recorded 51 claims averaging $9,303 with an average recorded water depth of 4 inches, and shaded Zone X saw 18 claims averaging $13,117 with an average recorded water depth of 3 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties situated within designated high-risk Zone A areas, as well as those in various Zone X designations where historical claims confirm significant flood depths and financial impacts from localized heavy rainfall and overflowing storm systems.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
38% of Gregg County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
180 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 7 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 1991, with 38 claims and $284,869 paid.
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.
60 NOAA storm reports from Gregg County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
23 federal disaster declarations since 1966, 6 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Beryl | Jul 5, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Tropical Storms Marco And Laura | Aug 23, 2020 |
| Severe Storms, Tornadoes, And Flooding | Mar 7, 2016 |
| Wildfires | Aug 30, 2011 |
| Hurricane Ike | Sep 7, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
104 since 1996: 88 flash floods and 15 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Aug 29, 2025 | — |
| Flash Flood | May 26, 2025 | — |
| Flash Flood | May 6, 2025 | — |
| Flash Flood | Aug 1, 2025 | — |
| Flash Flood | May 30, 2024 | — |
| Flood | Jun 3, 2024 | — |
| Flash Flood | Aug 21, 2022 | — |
| Flood | May 5, 2022 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Aug 29, 2025. Significant banding of heavy showers and thunderstorms with cell-training occurred on the morning of August 29th across East Texas and North Louisiana, posing the threat of flash flooding. A gradual increase in warm air advection and isentropic ascent was noted on the north side of a quasi-stationary frontal boundary and within a very moist and moderately unstable air mass. MUCAPE values ranged from 1000 to 2000 J…
Flash Flood · May 26, 2025. A weak surface frontal boundary drifted south to near the I-20 corridor of East Texas and North Louisiana during the early morning hours of May 26th, with a warm and moist air mass along and south of the front yielding adequate instability along and south of the front. While scattered strong to severe thunderstorms over portions of extreme Northeast Texas, Southeast Oklahoma, and Southwest Arkansas reinforced this…
Flash Flood · May 6, 2025. An upper level low pressure system over the Desert Southwest shifted east through the Intermountain West on May 6th, inducing surface low development over West Texas. This also resulted in a tightening pressure gradient across the Southern Plains and Lower Mississippi Valley, with increased southerly low level winds allowing for a warm front to shift north to the I-20 corridor of East Texas and North Louisiana bef…
Flash Flood · Aug 1, 2025. A weak cool front drifted south through East Texas, Southwest Arkansas, and extreme Northern Louisiana during the afternoon of August 1st, ahead of an upper level trough of low pressure that shifted east into the Four State Region. Large scale forcing along the front coupled with strong instability that developed in the moist air mass in place yielded scattered to numerous showers and thunderstorms across East Tex…
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 Gregg 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.