6 flood insurance claims·$284,487 paid·1 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 Jack 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 risk profile in Jack County, based on 31 recorded flash flood events compared to 3 general flood events and 1 coastal flood event over the last 30 years.
Recent history illustrates this pattern, including a slow-moving front that generated widespread showers and flash flooding on April 30, 2025, as well as an upper-level storm system that brought flash flooding to the region on November 8, 2024.
NFIP claims data shows historical payouts across multiple zones, including Zone X with an average payout of $51,979 and an average recorded water depth of 2 inches, Zone A with an average payout of $13,587 and an average recorded water depth of 1 inch, and Zone X_UNSHADED with an average payout of $69,965 and an average recorded water depth of 3 inches. An additional claim in an unknown zone averaged a $45,000 payout with 0 inches of recorded water depth. Property owners in all zones, particularly those in areas susceptible to rapid downpours and flash flooding, should pay close attention to this risk.
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 2025, with 2 claims and $122,621 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.
5 NOAA storm reports from Jack County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
18 federal disaster declarations since 1989, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Bryson Fire Complex | Apr 15, 2011 |
| Wildfires | Apr 6, 2011 |
| Enmin Fire | Mar 11, 2011 |
| Wildfires | Mar 14, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
35 since 1996: 31 flash floods, 3 river or area floods and 1 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | — |
| Flash Flood | Nov 8, 2024 | $15,000 |
| Flood | May 23, 2020 | — |
| Flash Flood | May 22, 2020 | — |
| Flash Flood | Jul 8, 2019 | $500 |
| Flash Flood | Apr 17, 2016 | — |
| Flood | Apr 17, 2016 | $10,000 |
| Flash Flood | May 30, 2015 | $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 · Nov 8, 2024. An upper level storm system brough scattered strong to severe storms that produced large hail, wind damage, and flash flooding for areas near and west of I-35 on both the 7th and 8th. The largest observed hail was the size of golf balls and was reported in Young County.
Flood · May 23, 2020. May 22nd - 24th, 2020 was an active few days with two main time frames of severe weather, and scattered severe weather reports punctuated elsewhere within these few days. The highlight of this period was damaging straight-line winds across Montague, Cooke and Grayson Counties with an EF-1 tornado in Bowie (Montague County) on May 22nd. These storms formed along an outflow boundary and front combined across our nor…
Flash Flood · May 22, 2020. May 22nd - 24th, 2020 was an active few days with two main time frames of severe weather, and scattered severe weather reports punctuated elsewhere within these few days. The highlight of this period was damaging straight-line winds across Montague, Cooke and Grayson Counties with an EF-1 tornado in Bowie (Montague County) on May 22nd. These storms formed along an outflow boundary and front combined across our nor…
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 Jack 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.