Two branches of the Trinity meet near downtown Fort Worth. The Clear Fork comes up from Lake Weatherford and Benbrook Lake, and the West Fork runs down through Lake Worth before the two join. Those channels give the city its floodway, but the City of Fort Worth says most local flooding actually happens outside the FEMA-mapped floodplains, in low streets and neighborhoods where storm drains simply cannot keep up with a North Texas downpour.
Calls to The Restoration Job are free. Dial (888) 317-9980 at any hour and we'll connect you with an independent restoration provider that serves Fort Worth and its enclave towns, whether the water came through a hail-damaged roof near Sundance Square or up through the floor of a house on the north side.
How the call works: when you call (888) 317-9980, The Restoration Job connects you with an independent restoration provider that serves Fort Worth. That provider inspects the damage, explains the scope and quotes the work. The Restoration Job doesn't perform restoration itself. Read our referral disclosure.
Flooding Beyond the Floodplain Maps
Fort Worth sorts its flood hazards into two local categories beyond the federal maps: City Flood Risk Areas, which are mapped in detail, and broader Potential High Water Areas where streets are known to fill. In recent years the city has counted eight deaths on flooded roadways and more than 300 homes and businesses with major flood damage. That record is a good reason not to assume a house is safe just because a lender never required flood insurance.
The city's flood history goes back much further. The May 1949 flood is still referenced in city archives, and the Tarrant Regional Water District was created that same year to fund the Fort Worth floodway. Fort Worth now holds a Class 7 rating in FEMA's Community Rating System, which gives residents a 15 percent discount on flood insurance premiums. Standard homeowners policies generally exclude flood, so a separate policy is the usual route to coverage for water that enters from outside.
Supercell Hail and the 2000 Downtown Tornado
Fort Worth is prone to supercell thunderstorms that drop large hail and sometimes spin up tornadoes. At 6:18 p.m. on March 28, 2000, an F3 tornado tore through downtown, a reminder that the core of a large city is not immune. Far more often, the damage is hail: cracked shingles, split skylights and broken windows that let rain pour into attics and upper rooms.
Roof damage tends to be found after the second rain rather than the first. If a storm has passed over your neighborhood, check the attic and top-floor ceilings for damp spots or sagging, and get openings covered quickly. A provider handling storm damage cleanup can remove soaked insulation and dry the framing before the roofer closes everything up.

Ice, Freezing Drizzle and Split Lines
Winter storms here are usually short, but they can be severe. During freezing drizzle on February 11 and 12, 2021, a pileup involving more than 100 vehicles on I-35W in Fort Worth caused several deaths. Days later, temperatures stayed below freezing at DFW Airport for 139 consecutive hours, and plumbing in homes across Tarrant County froze and burst.
- Locate the main shutoff now, before a freeze, and make sure it turns.
- Insulate supply lines in attics, garages and exterior walls.
- After a thaw, check under sinks, behind washers and in the attic for drips.
- If a line bursts, close the main valve and collect water in buckets while you call for help.
Older Houses, Suburban Slabs and Clay Ground
Fort Worth's housing ranges from older houses around the historic Stockyards and the central city to decades of suburban slab construction spread across almost 350 square miles. The region sits on Blackland Prairie clay that swells when wet and shrinks during drought, which can crack slabs and stress the pipes laid in them. Older raised homes have crawl spaces where a leak can sit unseen for weeks.
In either case, structural drying should start with a moisture map. Readings tell the crew whether baseboards and drywall can be dried in place or need to be cut, and whether air movers belong in the crawl space or the wall cavities.

May Rains, Damp Houses and Mold
May is the wettest month in Fort Worth, averaging about 4.6 inches, and annual rainfall runs around 34 inches. Spring storms often come in clusters, so a house that took water on Monday may get rain again before it dries. Wet drywall, carpet pad and particleboard cabinets left in a warm, humid house can begin to grow mold within a few days.
Remove soaked carpet and pad, keep the air conditioning running if it is safe, and do not seal up walls until readings show they are dry. If growth is already visible or the room smells musty, ask about mold remediation with containment so cleanup in one room does not spread spores to the rest of the house.
Areas In and Around Fort Worth
Calls come in from across Fort Worth, including:
- Downtown
- Sundance Square
- Upper West Side
- Stockyards
- Tanglewood
The same line also serves nearby communities such as:
- Arlington
- Benbrook
- White Settlement
- River Oaks
- Saginaw
- Forest Hill
- Westworth Village
- Lake Worth
Fort Worth Water Damage Questions
My street floods in heavy rain but I'm not in a FEMA flood zone. Is that unusual in Fort Worth?
No. The city reports that most flooding in Fort Worth happens outside FEMA floodplains, which is why it maps local City Flood Risk Areas and Potential High Water Areas. If water reaches your door, document it with photos, and consider flood insurance even without a lender requirement. Residents get a 15 percent premium discount through the city's Community Rating System class.
How can I report a clogged storm drain or street flooding?
The City of Fort Worth takes stormwater reports through the MyFW app, online at FortWorthTexas.gov/report, or by phone at (817) 392-1234. Clearing a blocked inlet near your home will not fix damage already inside, but it may help prevent a repeat during the next storm.
Water came through my ceiling after a hailstorm. Will the insurer want to see the damage first?
Most insurers want photos and a prompt report, but they also expect you to prevent further damage. Photograph the roof, attic and ceilings, save samples of damaged materials if you can, then have the roof covered and drying started. Waiting days for an adjuster while water sits in insulation usually makes the loss larger.
