Flood Claims Map

Texas

Flood insurance claims in Denton County, Texas

FEMA records 563 National Flood Insurance Program claims in Denton County, Texas, since 1979, with $10.5 million paid in total. The year with the most claims was 2007, with 83. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 27.7% of homes in the high-risk flood zone did.

NFIP claims on record563
Total paid$10.5 million
Claims with a payment396
Homes with NFIP policy0.7%
High-risk zone homes insured27.7%
Residential policies in force1,740

Claims by year of loss

1979: 319791980: 11981: 101982: 191983: 619831984: 11985: 111986: 61987: 819871988: 01989: 271990: 381991: 119911992: 11993: 31994: 261995: 1019951996: 111997: 51998: 41999: 019992000: 22001: 42002: 22003: 220032004: 102005: 22006: 32007: 8320072008: 52009: 152010: 292011: 220112012: 62013: 22014: 122015: 7120152016: 122017: 72018: 242019: 1620192020: 182021: 52022: 92023: 320232024: 82025: 132026: 783

NFIP claims by year of loss, Denton County, Texas

1979: $3,51019791980: $79,7601981: $44,0601982: $80,3581983: $6,30219831984: $01985: $61,2391986: $26,5341987: $22,06319871988: $01989: $188,3091990: $437,8301991: $019911992: $01993: $2,1631994: $200,4281995: $28,39519951996: $56,4881997: $15,5601998: $5,3261999: $019992000: $02001: $10,6142002: $10,5862003: $16,31520032004: $95,9792005: $02006: $54,1622007: $2.0 million20072008: $25,2352009: $177,0532010: $1.5 million2011: $8,21520112012: $46,2482013: $02014: $280,1092015: $1.4 million20152016: $230,5182017: $113,3002018: $1.3 million2019: $316,16620192020: $740,9612021: $14,7392022: $231,3282023: $55,43920232024: $105,1212025: $438,2032026: $80,877$2.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Early summer storms43
Flooding40
Thunderstorms18
Early summer severe storms7
2026-06-Arthur-TS6
Tropical Storm Bill2
Texas Severe Winter Storms2
Tropical Storm Allison1

ZIP codes with the most claims

ZIP code (as reported)Claims
7507770
7620159
7620958
7626245
7506740
7502832
7622627
7500725
7620522
7626621

238 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.1 million, contents $1.4 million, increased cost of compliance $47,050.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,99455227.7%
All homes256,2971,7400.7%

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.