Flood insurance claims in Fannin County, Texas

FEMA records 60 National Flood Insurance Program claims in Fannin County, Texas, since 1981, with $1.7 million paid in total. The year with the most claims was 2018, with 16. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 22.6% of homes in the high-risk flood zone did.

NFIP claims on record60

Total paid$1.7 million

Claims with a payment43

Homes with NFIP policy1.0%

High-risk zone homes insured22.6%

Residential policies in force139

Claims by year of loss

NFIP claims by year of loss, Fannin County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	12
Late winter severe storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
75418	43
75452	14
75475	1
75491	1
75490	1

47 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $342,067, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	532	120	22.6%
All homes	14,157	139	1.0%

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

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.