Flood Claims Map

Texas

Flood insurance claims in Ellis County, Texas

FEMA records 159 National Flood Insurance Program claims in Ellis County, Texas, since 1979, with $6.0 million paid in total. The year with the most claims was 2018, with 37. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 29.2% of homes in the high-risk flood zone did.

NFIP claims on record159
Total paid$6.0 million
Claims with a payment117
Homes with NFIP policy0.8%
High-risk zone homes insured29.2%
Residential policies in force469

Claims by year of loss

1979: 219791980: 01981: 11982: 11983: 019831984: 11985: 11986: 01987: 119871988: 01989: 61990: 51991: 119911992: 21993: 21994: 21995: 419951996: 11997: 21998: 31999: 019992000: 82001: 42002: 22003: 020032004: 92005: 02006: 12007: 1520072008: 42009: 22010: 02011: 020112012: 02013: 02014: 22015: 1120152016: 22017: 22018: 372019: 020192020: 22021: 42022: 122023: 020232024: 42025: 12026: 237

NFIP claims by year of loss, Ellis County, Texas

1979: $40,25219791980: $01981: $3,9351982: $8001983: $019831984: $5,1481985: $01986: $01987: $019871988: $01989: $67,4211990: $4771991: $1,22319911992: $4,3021993: $1,7741994: $01995: $16,87619951996: $1,8221997: $5,5211998: $7,0171999: $019992000: $172,3852001: $26,5922002: $02003: $020032004: $429,8532005: $02006: $02007: $212,92620072008: $56,5312009: $11,5092010: $02011: $020112012: $02013: $02014: $02015: $140,09020152016: $43,4322017: $02018: $3.9 million2019: $020192020: $56,7592021: $10,0812022: $553,9142023: $020232024: $233,4692025: $30,2302026: $48,945$3.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Dallas Flash Floods11
Flooding10
March storm4
Early summer storms4
Texas Spring Flooding3
Thunderstorms1
Hurricane Beryl1
Tropical Storm Claudette1

ZIP codes with the most claims

ZIP code (as reported)Claims
7515467
7516540
7606520
7516713
751195
766514
751524
751683
751012
751251

43 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.6 million, contents $1.4 million, increased cost of compliance $14,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone88125729.2%
All homes60,6054690.8%

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.