Flood risk and storm water in Lewisville

Lewisville files more flood claims than Denton County as a whole, though far fewer than Texas. FEMA flood insurance records show 0.7 claims per 1,000 homes in the city from 2016 to 2025, against 0.3 for the county and 11.6 statewide, and FEMA's National Risk Index puts yearly inland flood loss at 70 per $100,000 of building value, against 64 for the county. When a claim was paid in the county, the building payment averaged $43,397, and 0.7% of county homes carry federal flood insurance, against 5.8% across Texas.

Storms drive it. Denton County logged 28 days with flash flood or flood reports from 2016 to 2025, NOAA climate normals show about 12 days a year with an inch of rain or more, and the county has had 6 major disaster declarations for floods and storms since 2000. Low streets, drainage channels and land near the lake and the Elm Fork of the Trinity River can take water first. Apartment complexes raise the stakes, since 41% of homes are in buildings with 5 or more units and one flooded ground floor reaches many tenants.

The restoration crew classes floodwater as Category 3 because it carries soil, runoff and sewage, and it removes soaked materials before disinfecting and drying. Standard homeowners and renters policies exclude it, and only flood insurance pays, so renters, who live in 53% of local homes, need their own flood contents cover. Before flood damage restoration begins in the Lewisville area, have the crew photograph the water line on every wall.