108 flood insurance claims·$2.6M 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 Navarro 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 severe thunderstorms dominates the flood risk profile in Navarro County, supported by 79 flash flood events and 4 deaths over the last 30 years, alongside 15 general flood events and 1 tropical storm. Recent activity includes slow-moving frontal boundaries and training thunderstorms that caused localized flash flooding on April 30, 2025, as well as an upper-level trough that produced significant overnight rainfall and localized flooding on August 13, 2025.
National Flood Insurance Program records indicate that flood risks extend beyond high-risk areas. Properties in Zone A have experienced the highest impact with 75 claims averaging $33,715 and an average recorded water depth of 3 inches. However, properties in Zone X have also recorded significant losses, accounting for 22 claims with an average payout of $24,859 and an average water depth of 4 inches, while unshaded Zone X areas recorded 6 claims with an average payout of $13,991 and an average water depth of 3 inches.
Homeowners and real estate agents in both designated high-risk flood zones and moderate-to-low risk Zone X areas should pay close attention to drainage and historical claim patterns when evaluating property risk.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
11% of Navarro County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
84 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 3 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 49 claims and $2.2M paid, the year of Severe Storms, Tornadoes, Straight-line Winds and Flooding, Severe Storms, Tornadoes, Straight-line Winds, and Flooding and Severe Winter 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.
28 NOAA storm reports from Navarro County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
27 federal disaster declarations since 1965, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | May 22, 2016 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 26, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Oct 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildfires | Aug 30, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
95 since 1996: 79 flash floods and 15 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 30, 2025 | — |
| Flash Flood | Apr 24, 2025 | — |
| Flash Flood | Aug 13, 2025 | — |
| Flash Flood | Jun 11, 2025 | $5,000 |
| Flash Flood | Jun 11, 2025 | $10,000 |
| Flash Flood | Jun 11, 2025 | $1,000 |
| Flash Flood | May 6, 2025 | — |
| Flash Flood | Dec 28, 2024 | $10,000 |
— = 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 · 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.
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 Navarro 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.