6 flood insurance claims·$248,879 paid·3 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 Titus 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 Titus County, accompanied by occasional tropical system impacts. Over the last 30 years, NOAA records show 28 flash flood events and one tropical storm event.
Recent occurrences include persistent supercell thunderstorms on June 8, 2025, and severe thunderstorm clusters that developed late in the afternoon on April 26, 2024, producing large hail and damaging winds across the region. Additional heavy rainfall was driven by an outflow boundary on May 13, 2023.
National Flood Insurance Program claims data indicates historical payouts across different zones. Zone X recorded 3 claims with an average payout of $158,981 and an average recorded water depth of 1 inch. Zone A recorded 2 claims with an average payout of $44,949 and an average recorded water depth of 1 inch. Zone X_UNSHADED recorded 1 claim with a $0 payout and an average recorded water depth of 0 inches. Homeowners and real estate agents in both designated high-risk flood areas and moderate-to-low risk zones should pay close attention to these localized flash flood risks.
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 1 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 2017, with 3 claims and $247,113 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.
12 NOAA storm reports from Titus County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
21 federal disaster declarations since 1966, 3 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 |
| Tropical Storms Marco And Laura | Aug 23, 2020 |
| Severe Winter Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 26, 2015 |
| Wildfires | Aug 30, 2011 |
| Hurricane Ike | Sep 7, 2008 |
| Wildfires | Mar 14, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
29 since 1996: 28 flash floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 8, 2025 | — |
| Flash Flood | Apr 26, 2024 | — |
| Flash Flood | May 13, 2023 | — |
| Flash Flood | May 8, 2019 | — |
| Flash Flood | Dec 27, 2015 | — |
| Flash Flood | Dec 13, 2015 | — |
| Flash Flood | Jun 10, 2010 | — |
| Flash Flood | Jul 29, 2009 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 8, 2025. Multiple supercell thunderstorms developed along a broad, diffuse baroclinic boundary across Northeast Texas throughout the day on June 8th. MLCAPE values were in excess of 4500 J/kg in proximity to these thunderstorms, with modest northwesterly mid-level flow contributing to 45 knots of effective bulk shear. Given the very weak convective inhibition, these thunderstorms persisted for several hours from early afte…
Flash Flood · Apr 26, 2024. A large cluster of strong to severe thunderstorms developed across Northeast Texas late in the afternoon on April 26th. These thunderstorms formed on the north side of a weak surface theta-e gradient, with southwest winds just off the surface aiding in warm air advection and inflow across the region. This cluster of thunderstorms maintained severe intensity for several hours with numerous reports of large hail and…
Flash Flood · May 13, 2023. An outflow boundary from early morning storms extended south from Eastern Oklahoma into East Texas by the afternoon hours on May 13th, while an upper low pressure area remained stationary near the South Texas coast. Strong daytime heating within a moist air mass in place contributed to moderate instability that developed during the afternoon, with widely scattered showers and thunderstorms igniting near and east o…
Flash Flood · May 8, 2019. A strong upper level trough of low pressure extending from the Intermountain West into the Four Corners Region energized the southwest flow aloft across the Southern Plains during much of the day on May 8th, with a strong low level jet sustaining a mesoscale convective complex (MCS) across much of Oklahoma into Northcentral Texas south into the Texas Hill Country. While these storms gradually weakened after daybre…
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 Titus 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.