Fannin County, Texas · Bonham
Water spreading, a burst pipe, sewage, mold or smoke? Call to be connected with a restoration company that serves Bonham, Leonard and Honey Grove. Start the steps below while you wait.
Answered 24/7 by a participating local provider. We're a referral service and don't do the work ourselves. How it works
Start here
Pick the closest match. These steps limit the damage and protect your insurance claim. Skip anything that isn't safe.
Pipes freeze in Fannin County on about 4 nights a year, mostly January. Older homes, 20% of the stock here, are most at risk.
Basements flood here mostly in May. Fannin County averages 14.2 days a year with an inch of rain or more.
20% of homes here predate 1960, when clay and cast iron sewer laterals were standard. Roots and cracks in those lines are a common cause of backups.
Fannin County's wettest day in the 2015–2024 record brought 7.2 inches, and about 33 freeze-thaw days a year mean ice dams in some winters.
20% of occupied homes in Fannin County heat mainly with wood or propane, above the Texas county median of 6.5%.
Muggy summer nights, lows of 65°F or more, come about 126 times a year in Fannin County. Mold after a leak spreads fastest from June through August.
Local risk profile
About 37,326 people live in Fannin County, 878 square miles in northeast Texas, in roughly 14,814 homes. Besides Bonham, the county seat, the biggest communities are Leonard, Honey Grove and Savoy. Much of its housing is recent, with a median build year of 1987.
62/100 Water Damage Risk Index: Elevated Fannin County ranks 28 of 232 Texas counties. See the statewide ranking and method.The three factors where Fannin County ranks highest compared with other Texas counties.
Fannin County gets more hard-freeze nights than most of Texas. In the 2015–2024 record the county logged about 4 nights a year at or below 20°F (68th of 232) and 36 below freezing. Twenty degrees is roughly where uninsulated pipes start to freeze.
The longest cold spell was straight 9 days without the temperature rising above freezing, ending in February 2021. The coldest night reached about -2°F on February 16, 2021. Burst pipes usually show up when a spell like that breaks and the ice thaws.
The freeze season here runs January, with January the coldest. If you travel then, leave the thermostat at 55°F or above and open sink cabinets on outside walls.
Freezing nights typically start around Nov 15 and end around Feb 28.
Heavy rain is a bigger factor here than in most of Texas. About 14.2 days a year bring an inch or more (44th of 232), most often in May, out of 48.4 inches of total precipitation. On September 22, 2018, 7.2 inches fell in a single day. The worst three-day stretch dropped 10.85 inches, ending September 23, 2018, the kind of soaking that overwhelms sump pumps and storm sewers.
The temperature crosses 32°F in both directions on roughly 33 days a year. Each cycle melts and refreezes water at roof edges and in foundation cracks, which is how ice dams and basement seepage get started.
Housing
Roughly 41% of the county's housing was built before 1980. That puts Fannin near the middle of Texas's 232 counties.
Growth since 2000 added 31% of today's homes. In houses that new, the weak points are washing machine hoses, ice maker lines, water heaters and sump pumps rather than the pipes in the walls.
About 28% of homes went up between 1980 and 1999. Some houses from the late 1970s to the mid-1990s were plumbed with polybutylene, a gray plastic pipe known for failing at fittings. A plumber can tell you in a few minutes whether you have it.
13% of homes are manufactured or mobile homes, close to the Texas county median of 13.4%. Their water lines run under the floor behind the skirting, so a torn skirt or failed heat tape freezes them faster than lines in a site-built house.
Beyond water
Fannin County averages 126 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in May. The EPA recommends keeping indoor humidity below 60%, ideally 30 to 50%. Basements can pass 60% on their own in summer, so a dehumidifier matters even without a leak, and anything wet should be dried within 24 to 48 hours.
Mold remediation: what to expectHeating fuel matters for fire risk. In Fannin County it's 21% utility gas, 58% electric, 17% propane and 3% wood. Wood and propane heat are more common here than in most Texas counties. Heating equipment is one of the leading causes of home fires nationally, and the NFPA recommends having chimneys and vents inspected every year.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Fannin County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Grayson gets more pipe-freeze nights than Fannin. Delta County has the oldest housing nearby, with 50% of homes built before 1980.
By the numbers
| Factor | Fannin | Texas median | Rank |
|---|---|---|---|
| Homes built before 1960 | 20% | 20% | 109 of 232 |
| Homes built before 1980 | 41% | 46% | 149 of 232 |
| Homes built 2000 or later | 31% | 26% | 77 of 232 |
| Manufactured or mobile homes | 13% | 13% | 131 of 232 |
| Vacant homes | 14% | 17% | 143 of 232 |
| Wood or propane heat | 20% | 6.5% | 8 of 232 |
| Nights at 20°F or colder | 4/yr | 3/yr | 68 of 232 |
| Days with 1 inch+ of rain | 14/yr | 7.8/yr | 44 of 232 |
| Freeze-thaw days | 33/yr | 27/yr | 87 of 232 |
| Muggy nights (65°F+) | 126/yr | 129/yr | 129 of 232 |
Rank 1 is the highest value. Bars run from the lowest to the highest Texas county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Peak risk months in Fannin County: freezing from January, heavy rain in April, May and June.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology