Flood insurance claims in Erath County, Texas

FEMA records 21 National Flood Insurance Program claims in Erath County, Texas, since 1990, with $669,650 paid in total. The year with the most claims was 2015, with 8. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 16.2% of homes in the high-risk flood zone did.

NFIP claims on record21

Total paid$669,650

Claims with a payment17

Homes with NFIP policy0.4%

High-risk zone homes insured16.2%

Residential policies in force56

Claims by year of loss

NFIP claims by year of loss, Erath County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early summer storms	5
Early summer severe storms	2
Tropical Storm Bill	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
76401	19
76446	2

6 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $584,387, contents $85,263, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	234	38	16.2%
All homes	14,008	56	0.4%

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.