Fort Worth, TX Flood Zone Lookup
Last updated: March 2026
Fort Worth faces flooding from the Trinity River, Clear Fork, and West Fork. The Panther Island flood control project aims to reduce flood risk in the central city while creating new development opportunities.
Tarrant County has recorded 3,555 NFIP flood insurance claims since 1978, totaling $61.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 6
NFIP Policies
6,592
Tarrant County
Avg. Premium
$823/yr
Tarrant County
FEMA Flood Risk Profile: Tarrant County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $258.1M
Hurricane Risk
Relatively LowEst. annual loss: $728K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Tarrant County
Tarrant County has been included in 11 federal flood-related disaster declarations.
...and 3 earlier declarations since 1966.
These declarations affected communities across Tarrant County, including Fort Worth.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Tarrant County
Properties in Tarrant County have filed 3,555 NFIP flood insurance claims totaling $61.1M in payouts since 1978. The average claim payout is $17K.
Highest-Claim Years
1989
433 claims - $6.6M
1990
345 claims - $5.9M
2004
262 claims - $7.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Tarrant County
Only roughly 1 in 126 households in Tarrant County carries NFIP flood insurance (0.8% of estimated households). With 302 recorded flood events and $73.6M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.8%
roughly 1 in 126 households
Historical Claims Ratio
1 in 2
3,555 claims over 45+ years across 6,592 current policies
Avg. Claim Payout
$17,182
Per claim, county-wide since 1978
Historically, Tarrant County has averaged 1 claim for every 2 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Fort Worth.
What Your Flood Zone Means in Fort Worth
Fort Worth faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Fort Worth are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $258.1M.
Riverine flood risk in Fort Worth is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Fort Worth address.
Repetitive Loss Properties: Tarrant County
Tarrant County has 309 properties with multiple flood insurance losses, including 31 severe repetitive loss properties. 29 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
309
2+ claims within 10 years
Severe Repetitive Loss
31
4+ claims or 2 exceeding value
Mitigated
29
Received FEMA mitigation
By Flood Zone
Zone data available for 306 of 309 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Tarrant County
NOAA has recorded 302 flood events in Tarrant County since 1996, causing $73.6M in damage and 18 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Tarrant County
FEMA has funded mitigation for 497 properties in Tarrant County, investing $5.3M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Fort Worth
Fort Worth participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Fort Worth's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Fort Worth, TX Flood Zone FAQ
What flood zones are in Fort Worth, TX?
The most common FEMA flood zones in Fort Worth are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Fort Worth?
If your Fort Worth property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Fort Worth?
Enter your Fort Worth address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Fort Worth offer flood insurance discounts?
Yes. Fort Worth participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Fort Worth experienced major flooding events?
Tarrant County, where Fort Worth is located, has been part of 11 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Tropical Storms Marco and Laura in 2020. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Fort Worth?
Tarrant County has recorded 3,555 NFIP flood insurance claims totaling $61.1M in payouts since 1978. The year with the most claims was 1989, with 433 claims and $6.6M in payouts. These figures cover all NFIP claims in the county, including Fort Worth.
How many flood insurance policies are active in Fort Worth?
Tarrant County currently has 6,592 active NFIP flood insurance policies with an average annual premium of $823. The most policies are in Zone AE (3,114 policies). These figures cover all active NFIP policies in the county.
How many Fort Worth properties have flooded repeatedly?
Tarrant County has 309 properties with multiple flood losses on record, including 31 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Fort Worth property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Fort Worth?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Fort Worth's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.