36 flood insurance claims·$304,193 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 Hopkins 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 recurring heavy rain events dominates the flood risk profile in Hopkins County, TX. Over the last 30 years, the NOAA Storm Events Database records 48 flash flood events, alongside 11 general flood events resulting in 1 death, and 1 tropical storm event.
Recent local history illustrates these hazards. For example, a slow-moving upper low generated multiple rounds of heavy rain and flash flooding on January 30, 2025. Earlier, upper-level disturbances and nocturnal storm systems combined to produce flash flooding from June 1st to June 3rd, 2024.
NFIP claims data from FEMA show that property risk extends across multiple zones. Zone A accounts for 18 claims with an average payout of $8,745 and an average recorded water depth of 2 inches. Meanwhile, Zone X records 16 claims with an average payout of $11,372 and an average water depth of 1 inch, while 2 claims in unknown zones averaged a $2,445 payout with an average water depth of 1 inch. Homeowners, real estate agents, and journalists should pay the most attention to properties situated in designated high-risk Special Flood Hazard Areas (Zone A) as well as properties in Zone X, where historical claims demonstrate that severe localized runoff and heavy rainfall still cause damaging property impacts.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 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 2000, with 11 claims and $81,077 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.
18 NOAA storm reports from Hopkins County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
21 federal disaster declarations since 1974, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Jan 30, 2023 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Hurricane Ike | Sep 7, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
60 since 1996: 48 flash floods and 11 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jan 30, 2025 | $2,000 |
| Flash Flood | Jan 30, 2025 | $8,000 |
| Flash Flood | Jun 3, 2024 | $5,000 |
| Flash Flood | Jun 19, 2019 | $15,000 |
| Flash Flood | Aug 13, 2017 | — |
| Flash Flood | Aug 13, 2017 | $5,000 |
| Flash Flood | Apr 10, 2017 | — |
| Flood | Apr 29, 2016 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jan 30, 2025. A slow moving upper low generated multiple rounds of rain, some heavy, the night of January 29 into the morning of January 30 across North Texas. Much of the heavy rain and associated flooding occurred in and near the DFW Metroplex.
Flash Flood · Jun 3, 2024. Upper level disturbances interacted with leftover surface outflow boundaries from nocturnal MCSs and allowed for scattered strong to severe storms across the region each afternoon from June 1st to June 3rd. A combination of hail, damaging winds, and flash flooding occurred, but an EF-U tornado also occurred in Henderson County on the 3rd. One life was lost June 3rd in Henderson County due to a falling tree in stra…
Flash Flood · Jun 19, 2019. A hot and unstable airmass assisted in the formation of strong to severe thunderstorms as a cold front worked its way south of the Red River on the afternoon and evening of Wednesday June 19. The primary severe occurrence was large hail, followed by damaging winds and flash flooding as storms moved southeast into the overnight hours. A significant downburst caused significant damage in the town of Greenville in Hu…
Flash Flood · Aug 13, 2017. An upper level disturbance kicked off multiple rounds of showers and thunderstorms along a stationary front which stretched across North Texas. A few severe storms occurred during the evening of Saturday August 12th, then training thunderstorms with heavy rain led to flash flooding in many locations between the Red River and the Interstate 20 corridor during the morning of the 13th.
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 Hopkins 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.