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Floodplain Information and Insurance

Coppell has four major tributaries flowing through or adjacent to the city. These tributaries are Denton Creek, Grapevine Creek, Cottonwood Creek, and the Elm Fork of the Trinity River. Also, there are numerous small tributaries meandering through neighborhoods and eventually joining with the major tributaries. Learns about the floodplain in the city and ways to protect you and your property!

Flooding occurs when the runoff caused by precipitation is too great to be confined in normal water channels. Rising water could damage or destroy any structures or objects in the floodplain. Also, any property damaged or destroyed by rising water is not covered under homeowners insurance. The only way to insure your property from rising water is to purchase a flood insurance policy separate from your homeowner's insurance.

The City keeps a copy of floodplain literature and maps for viewing at the Library, or you can stop by the City's Engineering Department at 265 Parkway Blvd or visit

Your property can be evaluated to determine if it is in or near a floodplain. The Engineering Department can also provide suggestions on how you can protect your property from flooding. Before any development or improvements (including any type of fence and retaining wall) will be allowed in the floodplain, a floodplain development permit must be obtained from the Engineering Department. As part of the floodplain permit, additional information may be required such as a flood study to determine if the improvements will be allowed.

Normal homeowners insurance policies do not provide coverage for damage to property resulting from rising water or flooding. A separate flood insurance policy is necessary to be protected. Even if your property is not within the 100-year floodplain, it is still a wise choice to purchase a flood insurance policy because, on average, 40% of all claims paid on flood insurance policies are for properties outside of the 100-year floodplain. Also, if you are considering purchasing a flood insurance policy, it should be done before you would expect to need it, as there is a 30-day waiting period after the purchase before the policy becomes effective. For additional information about obtaining Flood Insurance visit

If you are interested in purchasing floodplain insurance, you can contact your local insurance company or contact the National Flood Insurance Program (NFIP) center at 800-427-4661.

If you have any flooding or drainage concerns, City staff is available to provide advice and/or site visits. For questions on floodplains and floodplain insurance, contact Kumar Gali, P.E. CFM 972-304-3680.