Grand Prairie rental flood, hail and freeze plan: a CRS class 5 city

Start with the discount. “Grand Prairie is currently one of the best-rated CRS communities in Texas, earning a 25 percent reduction in flood insurance premiums for Grand Prairie residents,” the city’s Floodplain Division states, citing a Community Rating System class of 5 (Floodplain Division). The same page names the water: Mountain Creek, the West Fork of the Trinity River and Cottonwood Creek, and it offers to determine the flood zone for a property, make site visits and supply elevation certificates. A landlord who calls 972-237-8251 before signing the §92.0135 disclosure has the city’s answer in the file. Hail and freeze are the ordinary North Texas risks, with Oncor as the outage number.

Flood: zone, disclosure, discounted policy

Three steps. First, the map: look the address up on the FEMA Flood Map Service Center and keep a dated screenshot; then ask the Floodplain Division for its determination, which is free. Second, the disclosure: the TREC notice asks whether the dwelling is in a 100-year floodplain and whether it flooded in the last five years; answer both from records, not memory. Third, the policy: for a property in a mapped zone, an NFIP policy priced with the 25% CRS discount — the city’s standard already requires new structures “two feet above the existing water surface elevation of the 100-year floodplain, or one foot above the ‘ultimate’ water surface elevation” (Floodplain Division), so a newer house may sit higher than the map suggests; an elevation certificate shows by how much.

Hail: what to do in the first week

Photograph the roof, gutters, fences and carports each spring with dates. After a storm: the tenant reports any leak or broken glass in writing, which starts the §92.056 repair clock; the landlord acknowledges in writing the same day, photographs the exterior, opens the claim and reads the declarations page for the wind-and-hail deductible — often a percentage of the insured value; on a home at the city’s $295,500 median (Census) 2% is close to $6,000 — and for loss-of-rents cover. A licensed agent answers what the page does not.

Freeze: pipes, then the right phone number

Insulate exposed lines and hose bibs before the first forecast freeze, test the heating, and show the tenant the water shutoff and the breaker panel. Power outages are reported to Oncor, the delivery utility; the retail provider on the tenant’s bill cannot restore service (Oncor). A burst on the house side of the meter is metered and lands on the city water account named in the lease — the account the city opened only after seeing the signed lease and a deposit (Water Utility Customer Service). Say in the utilities clause whose name is on it.

THE SHEET BY THE DOOR — GRAND PRAIRIE
Situation	What the tenant does	Source
Power outage	Reports to Oncor (delivery utility), not the retail provider	Oncor
Water main or sewer problem	Calls Water Utility Customer Service, 972-237-8200	City of Grand Prairie
Street or creek flooding	Does not drive through water; reports blocked drainage to the Floodplain Division, 972-237-8251; 911 in an emergency	Floodplain Division
Leak, burst pipe, roof damage	Closes the main valve if water; reports to the landlord in writing	Property Code §92.056
Severe weather warning	Interior room away from windows; waits for the all-clear	—

Four counties, one plan

The county matters after a disaster too: FEMA declarations, county emergency management notices and appraisal-district reappraisals all run by county, and a Grand Prairie rental can be in Dallas, Tarrant, Ellis or Johnson (City of Grand Prairie). Write the county on the sheet so the tenant follows the right county’s notices. The Grand Prairie maintenance guide adds the spring and autumn items to the calendar.

After the event

Photographs with dates, the tenant’s written reports, the claim number, the Floodplain Division’s determination if water was involved, the contractor invoices and the repair-completion note go in one folder. If the property flooded, the second §92.0135 answer changes for five years.

What changes in Grand Prairie

CRS class 5: a 25% NFIP premium discount the landlord should price in.
Mountain Creek, the West Fork Trinity and Cottonwood Creek are the named flood sources.
The city determines flood zones and issues elevation certificates on request.
New construction sits two feet above the 100-year elevation by city standard.
Oncor for outages, the city for water — and the county on the sheet.

Frequently asked questions

Does Grand Prairie offer a flood insurance discount?

Yes — its CRS class 5 rating earns a 25% reduction in NFIP premiums for properties in the city (Floodplain Division).

Which creeks flood in Grand Prairie?

The city names Mountain Creek, the West Fork of the Trinity River and Cottonwood Creek (Floodplain Division); check the FEMA map for the address (FEMA).

Who do Grand Prairie tenants call in a power outage?

Oncor Electric Delivery, the delivery utility, rather than the retail provider on the bill (Oncor).

Can the city confirm a property’s flood zone?

Yes — the Floodplain Division determines the zone, makes site visits and provides elevation certificates; 972-237-8251 (Floodplain Division).

Sources

Rules change and the right answer can depend on the home, the city, the lease and the timing. These are the official pages this guide relies on; check them before signing, charging a fee, sending a notice or making a legal decision.

General information for U.S. landlords, with a Texas focus. This guide is not legal, tax or accounting advice. Consult a qualified professional for your situation. Written by the rentalfreelease.com Editorial Team; last reviewed September 19, 2026.