Enter any address in Rockwall County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Rockwall County. Recent events include widespread flooding in the DFW Metroplex on January 29-30, 2025, and flash flooding attributed to substantial rainfall on August 30, 2025.
National Flood Insurance Program (NFIP) data indicates that properties in Zone X have experienced the most claims, with an average payout of $15,640 and an average water depth of 4.9 feet. Zone A properties have also seen significant claims, averaging $5,551 with a 2.3-foot water depth. Homeowners in Zone X and Zone A, as well as those in Zone X_Unshaded, should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Rockwall County, Texas has recorded 28 flood-related events since 1996 according to NOAA's Storm Events Database, including 27 flash floods and 1 river or area floods. The county has received 17 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1966–2024)
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 Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Dec 26, 2015 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jan 30, 2025 | 5.00K |
| Flash Flood | Jan 30, 2025 | 0.00K |
| Flash Flood | Aug 30, 2025 | 0.00K |
| Flash Flood | Nov 20, 2025 | 2.00K |
| Flood | Jun 21, 2015 | 1.00K |
| Flash Flood | Jun 21, 2015 | 1.00K |
| Flash Flood | May 3, 2009 | 7.00K |
| Flash Flood | May 2, 2009 | 0.00K |
| Flash Flood | Mar 18, 2008 | 0.00K |
| Flash Flood | May 27, 2007 | 0.00K |
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 — Aug 30, 2025
A slow-moving summer frontal system, in conjunction with occasional disturbances embedded within the northwest flow aloft, generated multiple rounds of thunderstorms both preceding and during the Labor Day weekend. The predominant hazard observed was flash flooding, attributed to the substantial rainfall produced by some of these storms.
Flash Flood — Nov 20, 2025
An active day of thunderstorms impacted much of North and Central Texas on November 20, triggered by the passage of a Pacific cold front and an upper trough. The day brought several instances of damaging winds, large hail, and flooding. Frequent cloud to ground lightning also took place, resulting in multiple house fires in the DFW Metroplex.
Flood — Jun 21, 2015
Persistent showers and thunderstorms occurred over the northeastern counties of North Texas where a weak upper level trough was located. The heavy rainfall resulted in some flash flooding north to east of DFW.
Flash Flood — Jun 21, 2015
Persistent showers and thunderstorms occurred over the northeastern counties of North Texas where a weak upper level trough was located. The heavy rainfall resulted in some flash flooding north to east of DFW.
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 Rockwall 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 Rockwall 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.