333 flood insurance claims·$4.9M paid·2 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 Johnson 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 severe thunderstorms dominates the flood profile of Johnson County, Texas, accounting for 105 events and 4 deaths compared to 12 standard flood events over the last 30 years.
Historical NOAA storm data shows that multiple weather patterns trigger these local emergencies. A slow-moving upper low produced heavy rain and flooding across the region on January 30, 2025. Later in the year, a meandering surface front and upper trough generated severe weather and flooding on May 6, 2025, while a lingering upper trough and saturated atmosphere caused flash flooding events across North and Central Texas over the July 4th weekend in 2025.
Federal insurance claims data indicates that flood risks extend beyond designated high-risk areas. Properties located in FEMA Zone A recorded 174 claims with an average payout of $12,688 and an average recorded water depth of 7 inches. Meanwhile, properties in Zone X recorded 128 claims with a higher average payout of $28,994 and an average recorded water depth of 8 inches. Homeowners, real estate agents, and journalists should pay the closest attention to properties situated within both high-risk Zone A and moderate-to-low-risk Zone X, as both areas have experienced substantial flooding and insurance claims.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
10% of Johnson County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
195 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 6 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 2015, with 60 claims and $1.7M paid, the year of Severe Storms, Tornadoes, Straight-line Winds 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.
24 NOAA storm reports from Johnson County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
19 federal disaster declarations since 1989, 2 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 |
| Wildfires | Mar 14, 2008 |
| Huntington Brook Fire | Jan 17, 2006 |
| Extreme Wildfire Threat | Nov 27, 2005 |
| Hurricane Rita | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
117 since 1996: 105 flash floods and 12 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jan 30, 2025 | $5,000 |
| Flood | Feb 12, 2025 | — |
| Flash Flood | May 6, 2025 | — |
| Flash Flood | Jul 6, 2025 | — |
| Flash Flood | May 30, 2024 | — |
| Flash Flood | May 5, 2024 | $20,000 · 1 killed |
| Flash Flood | May 5, 2024 | $500,000 |
| Flash Flood | May 4, 2024 | — |
— = 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.
Flood · Feb 12, 2025. Moderate to heavy rain in Johnson County impacted a lane of I-35W in the Burleson area.
Flash Flood · May 6, 2025. A sharp upper trough and a meandering surface front generated two rounds of thunderstorms across the region, one round on May 5 and the other on May 6. Most of the severe weather took place on the 6th, when large hail, damaging winds, and a few tornadoes occurred. A total of 5 tornadoes were surveyed in the far southeast parts of the County Warning Area: two EF-0s and three EF-1s. The strongest tornado had winds u…
Flash Flood · Jul 6, 2025. From the July 4th weekend into the early part of the following week, a weak upper trough lingered over North and Central Texas, triggering several days of scattered showers and thunderstorms. A saturated atmosphere combined with slow storm motions resulted in numerous flash flooding events throughout the region, particularly in Central Texas.
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 Johnson 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.