Flood insurance claims in Cherokee County, Texas

FEMA records 66 National Flood Insurance Program claims in Cherokee County, Texas, since 1979, with $624,674 paid in total. The year with the most claims was 2016, with 19. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 13.8% of homes in the high-risk flood zone did.

NFIP claims on record66

Total paid$624,674

Claims with a payment43

Homes with NFIP policy0.5%

High-risk zone homes insured13.8%

Residential policies in force107

Claims by year of loss

NFIP claims by year of loss, Cherokee County, Texas

Paid on claims by year of loss (building, contents and increased cost of compliance), Cherokee County, Texas

Named flood events with the most claims

Event (FEMA name)	Claims
Thunderstorms	4
Tropical Storm Claudette	2
Hurricane Claudette	1
Hurricane Ike	1
Flooding	1
Hurricane Beryl	1
Hurricane Alicia	1
Late winter severe storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
75766	48
75757	9
75785	4
75925	2
77979	1
39169	1
75789	1

39 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $596,085, contents $28,589, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	625	86	13.8%
All homes	20,052	107	0.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.