Smith County, TX Flood Risk: 304 FEMA Claims
Smith County has moderate flood risk with 29% of ZIP codes in FEMA flood zones.
29% of ZIPs in flood zones · 304 FEMA claims · Updated 2026-06-03
Data: FEMA National Flood Insurance Program (NFIP), FEMA Hazard Mitigation Last verified: 2026-06-03
What are FEMA flood zones?
FEMA classifies areas into flood zones based on the probability of flooding. High-risk zones (A and V) have a 1% annual chance of flooding and require flood insurance for federally-backed mortgages. Moderate-risk zones (B/X shaded) have a 0.2% annual chance. Even in low-risk zones, about 25% of all flood claims come from areas outside designated high-risk zones. Smith County has 29% of ZIP codes in designated flood zones.
How are flood insurance claims calculated?
FEMA tracks every claim filed through the National Flood Insurance Program (NFIP). Claims data includes payouts for building damage and contents loss. High claim counts in an area indicate actual flood events, not just theoretical risk. Smith County has 304 recorded claims — this real-world history is often a better risk indicator than flood zone maps alone.
Concerned about flood risk in Smith County?
Check your property's flood zone and insurance options.
Check FEMA Flood Insurance →Flood Risk Overview
29% of ZIP codes in Smith County fall within FEMA-designated flood zones. The county has 304 FEMA flood insurance claims with total payouts of $4,544,889.
The average payout per claim is $14,950. These figures reflect actual flood damage, not just theoretical risk from flood zone maps.
Cities with Most FEMA Claims
| Rank | City | FEMA Claims | Total Paid | ZIPs | Population |
|---|---|---|---|---|---|
| 1 | Tyler | 252 | $3.9M | 12 | 2,430,718 |
| 2 | Bullard | 16 | $76K | 1 | 91,788 |
| 3 | Whitehouse | 13 | $210K | 1 | 201,862 |
| 4 | Lindale | 13 | $182K | 1 | 112,837 |
| 5 | Troup | 8 | $81K | 1 | 110,953 |
| 6 | Winona | 2 | $86K | 1 | 97,980 |
Claims per Capita
Smith County has 0.1 FEMA claims per 1,000 residents. This per-capita rate normalizes for population size and helps compare flood impact across counties of different sizes.
Understanding FEMA Flood Zones
FEMA classifies areas into flood zones based on the annual probability of flooding:
Zone A / AE — High risk. 1% annual flood chance (100-year floodplain). Flood insurance required for federally-backed mortgages
Zone V / VE — High risk coastal. 1% annual flood chance plus storm wave action
Zone B / X (shaded) — Moderate risk. 0.2% annual flood chance (500-year floodplain)
Zone C / X (unshaded) — Minimal risk. Outside the 500-year floodplain
The dominant flood zone in Smith County is Zone A03.
Flood Insurance in Smith County
Properties in FEMA Special Flood Hazard Areas (Zones A and V) with federally-backed mortgages are required to carry flood insurance. The National Flood Insurance Program (NFIP) offers policies through private insurance agents.
Key facts about flood insurance:
Average NFIP premium: $700-$1,500/year depending on flood zone, building age, and elevation
30-day waiting period for new policies (unless tied to a mortgage closing)
Private flood insurance may offer lower rates or broader coverage than NFIP
Risk Rating 2.0 — FEMA's updated pricing methodology factors in property-specific flood risk
Reducing Flood Risk
Homeowners in Smith County can take steps to reduce flood damage and potentially lower insurance premiums:
Elevation certificates — document your home's elevation relative to the Base Flood Elevation (BFE)
Sump pumps and backflow valves — prevent water intrusion from ground and sewer backup
Flood vents — allow water to flow through enclosed areas below BFE
Landscaping and grading — direct water away from foundation
FEMA mitigation grants — funding available for eligible properties through Hazard Mitigation Grant Program
How to Check Your Flood Risk
FEMA Flood Map Service Center — enter your address at msc.fema.gov to see your flood zone
Contact your insurance agent — they can look up your property's flood zone and provide quotes
Local floodplain manager — your county or city government has a designated floodplain administrator
Elevation certificate — a surveyor can document your property's elevation relative to flood levels
Check claim history — ask about previous flood events in the neighborhood
Data Sources
- Flood claims: FEMA National Flood Insurance Program (NFIP)
- Flood zones: FEMA Flood Map Service Center
- Hazard mitigation: FEMA Hazard Mitigation Planning
Updated daily.
Frequently Asked Questions
Is Smith County in a flood zone?
Yes — 29% of ZIP codes in Smith County are in FEMA-designated flood zones, which is considered significant. Properties in these areas typically require flood insurance for federally-backed mortgages.
How much has FEMA paid for flood claims in Smith County?
FEMA has paid a total of $4,544,889 across 304 flood insurance claims in Smith County. The average payout per claim is $14,950.
Do I need flood insurance in Smith County, Texas?
If your property is in a FEMA Special Flood Hazard Area (SFHA), flood insurance is required for federally-backed mortgages. With 29% of Smith County ZIP codes in flood zones, many properties will need coverage.
How many flood claims have been filed in Smith County?
304 FEMA flood insurance claims have been filed in Smith County. That is 0.1 claims per 1,000 residents. Claims history is a strong indicator of actual flood risk beyond what maps show.
How can I check my flood zone in Smith County?
Enter your address on the FEMA Flood Map Service Center (msc.fema.gov) to see your exact flood zone designation. Your insurance agent or local floodplain manager can also help determine your flood risk.