Flood insurance claims in Montague County, Texas

FEMA records 77 National Flood Insurance Program claims in Montague County, Texas, since 1981, with $1.5 million paid in total. The year with the most claims was 2015, with 16. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 17.6% of homes in the high-risk flood zone did.

NFIP claims on record77

Total paid$1.5 million

Claims with a payment67

Homes with NFIP policy0.8%

High-risk zone homes insured17.6%

Residential policies in force63

Claims by year of loss

NFIP claims by year of loss, Montague County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	25
Tropical Storm Bill	9
Early summer storms	4
Spring Storm	3
Spring severe storms	2
Early summer severe storms	1
Thunderstorms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
76230	49
76255	24
76265	2
76251	1

42 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $257,504, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	278	49	17.6%
All homes	7,924	63	0.8%

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

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.