Flood Claims Map

Texas

Flood insurance claims in Palo Pinto County, Texas

FEMA records 97 National Flood Insurance Program claims in Palo Pinto County, Texas, since 1981, with $1.4 million paid in total. The year with the most claims was 2016, with 22. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 12.3% of homes in the high-risk flood zone did.

NFIP claims on record97
Total paid$1.4 million
Claims with a payment77
Homes with NFIP policy1.0%
High-risk zone homes insured12.3%
Residential policies in force127

Claims by year of loss

1981: 219811982: 41983: 01984: 11985: 319851986: 01987: 01988: 01989: 119891990: 31991: 41992: 21993: 119931994: 11995: 11996: 11997: 119971998: 01999: 02000: 32001: 020012002: 02003: 02004: 32005: 020052006: 02007: 142008: 02009: 020092010: 42011: 02012: 12013: 120132014: 02015: 102016: 222017: 120172018: 12019: 32020: 22021: 420212022: 02023: 02024: 22025: 1202522

NFIP claims by year of loss, Palo Pinto County, Texas

1981: $19,40619811982: $11,4481983: $01984: $1201985: $019851986: $01987: $01988: $01989: $12,19519891990: $37,3861991: $23,5841992: $2,7491993: $1,34719931994: $3,2281995: $31,8311996: $1,5021997: $45,59519971998: $01999: $02000: $19,7232001: $020012002: $02003: $02004: $10,3332005: $020052006: $02007: $135,6702008: $02009: $020092010: $6,8472011: $02012: $24,2092013: $020132014: $02015: $120,3552016: $748,9232017: $020172018: $02019: $17,2252020: $28,8092021: $28,07620212022: $02023: $02024: $45,7632025: $18,1662025$748,923

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

Named flood events with the most claims

Event (FEMA name)Claims
Early summer severe storms10
Thunderstorms7
Late winter severe storms7
Spring severe storms5
Early summer storms4
Flooding1
Texas Spring Flooding1
Fall severe storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
7606747
7648416
7644911
760669
764726
764534
764752
764631
764501

51 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $201,632, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone7979812.3%
All homes12,5211271.0%

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

  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.