Floyd County, Texas · Floydada
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With 45% of homes built before 1960 and about 15 hard-freeze nights a year, frozen and split pipes are a leading winter risk in the county.
Basements flood here mostly in May. Floyd County averages 3.6 days a year with an inch of rain or more.
45% 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.
Floyd County's wettest day in the 2015–2024 record brought 2.61 inches, and about 69 freeze-thaw days a year mean ice dams in some winters.
5% of occupied homes in Floyd County heat mainly with wood or propane, below the Texas county median of 6.5%.
Muggy summer nights, lows of 65°F or more, come about 71 times a year in Floyd County. Mold after a leak spreads fastest from June through August.
Local risk profile
With 2,592 homes and around 5,216 residents, Floyd County is 992 square miles of northern Texas. Besides Floydada, the county seat, the biggest community is Lockney. Half the homes here were built before 1962, half after.
61/100 Water Damage Risk Index: Elevated Floyd County ranks 36 of 232 Texas counties. See the statewide ranking and method.The three factors where Floyd County ranks highest compared with other Texas counties.
Floyd County gets more hard-freeze nights than most of Texas. In the 2015–2024 record the county logged about 15 nights a year at or below 20°F (25th of 232) and 76 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 -4°F on February 15, 2021. Burst pipes usually show up when a spell like that breaks and the ice thaws.
The freeze season here runs December to February, 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 3 and end around Apr 1.
Floyd gets fewer downpours than most Texas counties, but they still fill basements. The county gets about 20.8 inches of rain and melted snow a year, with 3.6 days of an inch or more (193rd of 232). Those downpours cluster in May, June and September, when sump pumps and gutters are tested hardest. The wettest day on record brought 2.61 inches on October 22, 2015. The worst three-day stretch dropped 3.77 inches, ending May 7, 2015, the kind of soaking that overwhelms sump pumps and storm sewers.
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 69 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Housing
Texas's 232 counties range widely in housing age; Floyd ranks 3rd, with 85% of its homes built before 1980.
45% were built before 1960. Homes from that era often still have galvanized steel supply pipe, which rusts from the inside until it pinholes, and cast iron drains that crack with age. Slow leaks behind walls are a common start to water damage in these houses.
With 25% of homes empty at survey time, landlords and seasonal owners should shut off the main or schedule checks in winter. An unheated vacant house is also where many policies limit freeze coverage.
Beyond water
About 71 nights a year in Floyd County stay at 65°F or warmer, a sign of muggy summer air (208th of 232 counties). May is the wettest month. 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 expectMain heating fuel in Floyd County's occupied homes: 53% utility gas, 42% electric, 4% propane and under 1% wood. Fires here are likelier to start in the kitchen or the wiring than in the furnace. After any fire, keep the HVAC off until ducts are checked, or soot will travel through the house.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Floyd County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Hale and Swisher get more pipe-freeze nights than Floyd. Its housing is the oldest in the area by share of homes built before 1980.
By the numbers
| Factor | Floyd | Texas median | Rank |
|---|---|---|---|
| Homes built before 1960 | 45% | 20% | 11 of 232 |
| Homes built before 1980 | 85% | 46% | 3 of 232 |
| Homes built 2000 or later | 6.7% | 26% | 224 of 232 |
| Manufactured or mobile homes | 2.4% | 13% | 227 of 232 |
| Vacant homes | 25% | 17% | 51 of 232 |
| Wood or propane heat | 4.5% | 6.5% | 147 of 232 |
| Nights at 20°F or colder | 15/yr | 3/yr | 25 of 232 |
| Days with 1 inch+ of rain | 3.6/yr | 7.8/yr | 193 of 232 |
| Freeze-thaw days | 69/yr | 27/yr | 28 of 232 |
| Muggy nights (65°F+) | 71/yr | 129/yr | 208 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 Floyd County: freezing from December to February, heavy rain in May, June and September.
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