179 flood insurance claims·$3.6M paid·4 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 Hood 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 fronts and thunderstorms dominates the flood history of Hood County, accounting for 46 out of 62 total flood events recorded in the NOAA Storm Events Database over the last 30 years, alongside 16 general flood events.
Recent events illustrate this recurring hazard. On May 16, 2024, a slow-moving front generated thunderstorms that produced heavy rain and flooding across the region. Later that month, on May 30, 2024, a complex of thunderstorms moved through saturated grounds, followed by a second round of storms along a dryline that caused additional flash flooding overnight into May 31. Another severe event occurred on April 30, 2025, when a slow-moving front and upper trough resulted in the training of thunderstorms and widespread flash flooding.
National Flood Insurance Program records show claims across multiple zones with varying impacts. Zone X recorded 87 claims with an average payout of $23,429 and an average recorded water depth of 14 inches. Zone A recorded 78 claims with an average payout of $36,936 and an average recorded water depth of 7 inches. Zone UNKNOWN recorded 12 claims with an average payout of $14,955 and an average recorded water depth of 6 inches, while Zone X_UNSHADED recorded 2 claims with an average payout of $34,050 and an average recorded water depth of 2 inches. Homeowners and real estate agents in both designated high-risk flood zones and lower-risk areas should pay close attention to these patterns given the frequency of flash flooding.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
2% of Hood County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
80 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 10 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 2016, with 40 claims and $1.8M paid, the year of Severe Storms, Tornadoes, and Flooding and 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.
11 NOAA storm reports from Hood County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
22 federal disaster declarations since 1989, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Chalk Mountain Fire | Jul 18, 2022 |
| Big L Fire | Mar 20, 2022 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | May 22, 2016 |
| Severe Storms, Tornadoes, And Flooding | Mar 7, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildfires | Mar 14, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
62 since 1996: 46 flash floods and 16 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | — |
| Flash Flood | May 30, 2024 | — |
| Flash Flood | May 16, 2024 | — |
| Flood | Jul 3, 2021 | — |
| Flash Flood | Mar 18, 2020 | — |
| Flood | May 31, 2016 | $100,000 |
| Flash Flood | May 31, 2016 | $50,000 |
| Flash Flood | Jun 1, 2016 | $50,000 |
— = 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 · May 30, 2024. Another complex of thunderstorms moved southeast through North and Central Texas during the day on May 30, producing scattered wind damage and severe hail along with some flash flooding. A second round of storms initiated along the dryline Thursday evening, producing more severe weather and flash flooding overnight into the early morning hours of May 31. After above normal rainfall throughout the month, grounds we…
Flash Flood · May 16, 2024. A slow-moving front generated a round of thunderstorms which produced multiple areas of heavy rain and flooding from the Big Country to Central Texas on May 16.
Flood · Jul 3, 2021. A stalled front served as a focus for widespread showers and thunderstorms. Heavy rainfall resulted in flooding across parts of the area.
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 Hood 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.