Flood Claims Map

Texas

Flood insurance claims in Navarro County, Texas

FEMA records 108 National Flood Insurance Program claims in Navarro County, Texas, since 1980, with $2.6 million paid in total. The year with the most claims was 2015, with 49. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 16.2% of homes in the high-risk flood zone did.

NFIP claims on record108
Total paid$2.6 million
Claims with a payment88
Homes with NFIP policy0.7%
High-risk zone homes insured16.2%
Residential policies in force143

Claims by year of loss

1980: 119801981: 21982: 11983: 01984: 019841985: 01986: 01987: 01988: 019881989: 101990: 21991: 11992: 019921993: 21994: 11995: 01996: 119961997: 01998: 41999: 12000: 020002001: 02002: 12003: 02004: 420042005: 22006: 02007: 102008: 320082009: 02010: 02011: 02012: 220122013: 12014: 02015: 492016: 420162017: 02018: 12019: 12020: 120202021: 12022: 02023: 12024: 1202449

NFIP claims by year of loss, Navarro County, Texas

1980: $16,10019801981: $7491982: $19,8661983: $01984: $019841985: $01986: $01987: $01988: $019881989: $68,1861990: $29,1711991: $1,3491992: $019921993: $1,3761994: $7921995: $01996: $019961997: $01998: $41,2691999: $02000: $020002001: $02002: $7,9322003: $02004: $23,88220042005: $5612006: $02007: $80,8952008: $020082009: $02010: $02011: $02012: $21,09020122013: $02014: $02015: $2.2 million2016: $29,69820162017: $02018: $1,9722019: $5,1802020: $020202021: $02022: $02023: $02024: $9,7752024$2.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding15
Texas Spring Flooding1
Thunderstorms1
Early summer severe storms1
Hurricane Allen1

ZIP codes with the most claims

ZIP code (as reported)Claims
7511094
751096
751552
766261
758591
761801
751531
751021
751051

75 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.3 million, contents $276,997, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5989716.2%
All homes21,4451430.7%

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.