Enter any address in Navarro County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Navarro County. Recent events include localized flooding from significant rainfall in August 2025 and flash flooding due to slow-moving thunderstorms in April 2025.
The National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $26,100 and an average water depth of 1.6 feet. Properties in Zone X also show a notable number of claims, with an average payout of $14,896 and an average water depth of 2.4 feet, suggesting that flood risk extends beyond the high-risk A zones. Residents in Zone A, Zone X, and those in areas with unknown flood risk should pay the most attention to flood preparedness.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
28 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Navarro County, Texas has recorded 95 flood-related events since 1996 according to NOAA's Storm Events Database, including 79 flash floods and 15 river or area floods. The county has received 27 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | May 22, 2016 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Oct 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Aug 30, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | 0.00K |
| Flash Flood | Apr 24, 2025 | 0.00K |
| Flash Flood | Aug 13, 2025 | 0.00K |
| Flash Flood | Jun 11, 2025 | 5.00K |
| Flash Flood | Jun 11, 2025 | 10.00K |
| Flash Flood | Jun 11, 2025 | 1.00K |
| Flash Flood | May 6, 2025 | 0.00K |
| Flash Flood | Dec 28, 2024 | 10.00K |
| Flash Flood | Dec 28, 2024 | 20.00K |
| Flash Flood | Apr 26, 2024 | 0.00K |
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 thunderst...
Flash Flood — Apr 24, 2025
Thunderstorm complexes which developed across the Hill Country and Northwest Texas during the afternoons of April 23 and 24 propagated southeast across North and Central Texas each night into the following mornings. Several instances of large hail and damaging winds occurred with these storms, along with localized flash flooding.
Flash Flood — Aug 13, 2025
An upper-level trough situated over Texas and the Southern Plains created a series of showers and storms across North Texas during the overnight hours of August 11th into August 12th, and again on the morning of August 13th. Significant rainfall from a few of these storms resulted in localized flooding.
Flash Flood — Jun 11, 2025
An upper level low and remnant MCVs produced several rounds of heavy rain and training storms that produced flash flooding for a few day across the region, mainly across Central Texas.
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...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Navarro County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Navarro County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.