Garland, TX Flood Zone Lookup
Last updated: August 2026
Garland faces flooding from Duck Creek, Rowlett Creek, and the East Fork of the Trinity River. Heavy rainfall events cause creek and river overflows that flood residential neighborhoods and commercial areas.
Dallas County has recorded 3,453 NFIP flood insurance claims since 1978, totaling $69.0M 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
7,801
Dallas County
Avg. Premium
$846/yr
Dallas County
FEMA Flood Risk Profile: Dallas 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
Very HighEst. annual loss: $323.7M
Hurricane Risk
Relatively LowEst. annual loss: $676K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Dallas County
Dallas County has been included in 12 federal flood-related disaster declarations.
...and 4 earlier declarations since 1966.
These declarations affected communities across Dallas County, including Garland.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
NFIP Flood Insurance Claims: Dallas County
Properties in Dallas County have filed 3,453 NFIP flood insurance claims totaling $69.0M in payouts since 1978. The average claim payout is $20K.
Highest-Claim Years
1991
344 claims - $4.7M
1989
266 claims - $4.0M
1995
265 claims - $3.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Dallas County
Only roughly 1 in 132 households in Dallas County carries NFIP flood insurance (0.8% of estimated households). With 316 recorded flood events and $1.4B in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.8%
roughly 1 in 132 households
Historical Claims Ratio
1 in 2
3,453 claims over 45+ years across 7,801 current policies
Avg. Claim Payout
$19,980
Per claim, county-wide since 1978
Historically, Dallas 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 August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Garland.
What Your Flood Zone Means in Garland
Garland 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 Garland are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $323.7M.
Riverine flood risk in Garland 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 Garland address.
Repetitive Loss Properties: Dallas County
Dallas County has 253 properties with multiple flood insurance losses, including 46 severe repetitive loss properties. 10 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
253
2+ claims within 10 years
Severe Repetitive Loss
46
4+ claims or 2 exceeding value
Mitigated
10
Received FEMA mitigation
By Flood Zone
Zone data available for 252 of 253 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Recorded Flood Events: Dallas County
NOAA has recorded 316 flood events in Dallas County since 1996, causing $1.4B in damage and 13 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Dallas County
FEMA has funded mitigation for 505 properties in Dallas County, investing $36.3M 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 August 2026.
Flood Insurance Discount: Garland
Garland 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 6
SFHA Premium Discount
20% off
CRS classes range from 1 (best) to 10 (no discount). Garland's Class 6 rating means NFIP policyholders in the SFHA can receive up to a 20% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Garland, TX Flood Zone FAQ
What flood zones are in Garland, TX?
The most common FEMA flood zones in Garland 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 Garland?
If your Garland 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 about 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Garland?
Enter your Garland 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 Garland offer flood insurance discounts?
Yes. Garland participates in FEMA's Community Rating System (CRS) with a Class 6 rating, qualifying residents in the Special Flood Hazard Area for up to a 20% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Garland experienced major flooding events?
Dallas County, where Garland is located, has been part of 12 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Garland?
Dallas County has recorded 3,453 NFIP flood insurance claims totaling $69.0M in payouts since 1978. The year with the most claims was 1991, with 344 claims and $4.7M in payouts. These figures cover all NFIP claims in the county, including Garland.
How many flood insurance policies are active in Garland?
Dallas County currently has 7,801 active NFIP flood insurance policies with an average annual premium of $846. The most policies are in Zone X (3,903 policies). These figures cover all active NFIP policies in the county.
How many Garland properties have flooded repeatedly?
Dallas County has 253 properties with multiple flood losses on record, including 46 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 Garland 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 Garland?
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 Garland'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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Look Up Any Garland, TX Address
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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 August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.