Flood Claims Map

Texas

Flood insurance claims in Cooke County, Texas

FEMA records 370 National Flood Insurance Program claims in Cooke County, Texas, since 1981, with $10.5 million paid in total. The year with the most claims was 2007, with 124. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 23.1% of homes in the high-risk flood zone did.

NFIP claims on record370
Total paid$10.5 million
Claims with a payment327
Homes with NFIP policy1.0%
High-risk zone homes insured23.1%
Residential policies in force161

Claims by year of loss

1981: 1719811982: 11983: 01984: 01985: 219851986: 11987: 11988: 11989: 5819891990: 601991: 01992: 11993: 2719931994: 41995: 01996: 01997: 619971998: 01999: 12000: 02001: 020012002: 12003: 02004: 02005: 020052006: 02007: 1242008: 02009: 4020092010: 22011: 12012: 02013: 020132014: 02015: 162016: 22017: 120172018: 12019: 02020: 2124

NFIP claims by year of loss, Cooke County, Texas

1981: $421,82019811982: $1,6471983: $01984: $01985: $019851986: $3,9761987: $3,8631988: $3,9991989: $689,99719891990: $457,9061991: $01992: $2,1541993: $289,60819931994: $7,7561995: $01996: $01997: $91,75519971998: $01999: $1,2682000: $02001: $020012002: $02003: $02004: $02005: $020052006: $02007: $6.3 million2008: $02009: $1.0 million20092010: $02011: $02012: $02013: $020132014: $02015: $715,2362016: $34,7672017: $350,00020172018: $5,1442019: $02020: $83,663$6.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Thunderstorms120
Flooding120
Spring Storm37
Early summer storms5
Tropical Storm Bill3
Early summer severe storms2
Hurricane Harvey1

ZIP codes with the most claims

ZIP code (as reported)Claims
76240339
7625023
762522
762722
752401
762631
770681

256 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $8.7 million, contents $1.7 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone50611723.1%
All homes16,3961611.0%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.