Quick answer
For water damage in Carter, TX, shut off your main valve first, or turn off the well pump breaker if you are on a private well. Check your bill for the water provider, then call it about the meter. Then call a water damage restoration company; drying should start within 24 to 48 hours. Texas insurers must acknowledge your claim within 15 days.
Do this first
Local water and septic lines.
- Shut off the water. Close your main valve, or turn off the well pump breaker if you are on a private well. Carter is unincorporated and has no city water department, so check your bill for the water provider before calling about the meter. If the leak is on your side of the meter, it is your repair.
- Make it safe and document it. Cut power to wet rooms from a dry spot, photograph the damage, then report the claim.
- Start drying within 24 to 48 hours. About 45% of Carter's homes were built since 2010, and 43% are manufactured homes. Newer homes hide water under vinyl plank; manufactured homes trap it in the belly wrap. Ask for readings in both places.
Parker County had 9 flash flood warnings in 2024 and 8 in 2016. Water off the ridges around Carter drains south toward the Clear Fork of the Trinity and north toward Walnut Creek, and low crossings in those valleys can go under fast. Turn around at water over the road.
What to know about water damage in Carter
2020
The first census to count Carter as a census-designated place. It recorded 1,637 people across about 6.4 square miles of northern Parker County.
Source: Carter, Texas
Two watersheds
Carter spreads over low ridges and valleys that drain south to the Clear Fork of the Trinity River and north to Walnut Creek. Springtown is 5 miles northeast and Weatherford 10 miles southwest.
Source: Carter, Texas
On the ridge line
Carter sits at about 1,129 feet. State Highway 51 runs through the east side of the area, and Fort Worth is about 29 miles southeast.
Source: Carter, Texas
County septic office
The Parker County Permitting Department handles septic permits at 1114 Santa Fe Drive in Weatherford, Monday through Friday, 7 a.m. to 4 p.m.
Homes in Carter
About 93% are owner-occupied, the median home dates to 2007, and the median value is about $316,400.
Freezes and rain
The NOAA weather station at Weatherford, about 15.5 miles away, averages 60.8 nights a year at or below 32°F and 8.6 at or below 20°F. In half of years the first freeze comes by November 8 and the last one after March 25. Pipes in outside walls, attics, and pier-and-beam crawlspaces are the first to split. It also averages 35.18 inches of rain a year, with about 10.1 days of an inch or more.
Check your ZIP
How often does Parker County get flash flood warnings?
The National Weather Service issued 31 flash flood warnings that included Parker County from 2016 through November 12, 2026, peaking at 9 in 2024. Each one means flooding is happening or about to happen.
Source: our count from the National Weather Service warning archive, Iowa Environmental Mesonet.
| Year | Warnings |
|---|---|
| 2016 | 8 |
| 2017 | 2 |
| 2018 | 0 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 3 |
| 2022 | 0 |
| 2023 | 2 |
| 2024 | 9 |
| 2025 | 4 |
| 2026 | 1 |
Cost and insurance in Carter
How much does water damage restoration cost in Carter?
Most jobs run $450 to $16,000 (Angi). Creek water that flows in from outside is a flood claim. Manufactured home bellies and vinyl plank floors both trap water.
Water removal and restoration in Carter
The company that answers handles water under manufactured homes on ridge-top lots, PEX and supply line leaks in homes built since 2010, frozen well pump lines in hard freezes, and septic backups into tubs and showers, plus burst pipes, appliance leaks, drying, and septic backups.
Carter questions
Who handles septic permits in Carter?
The Parker County Permitting Department in Weatherford, 817-598-6175, weekdays 7 to 4.
Who supplies water in Carter?
Check your bill. Carter is an unincorporated census area with no city utility, and some homes on larger lots are on private wells, so the right number depends on your address.
How cold does Carter get?
The NOAA station at Weatherford averages about 61 nights a year at or below 32°F and about 9 at or below 20°F.
Which ZIP codes does this page cover?
The Carter part of ZIP 76082. Most of that ZIP is the Springtown area.
Related guides
Other Texas towns- Water mitigation vs. restoration
- Sewage backup: what to do first
- Burst pipe repair cost
- Texas insurance claim deadlines, in plain English
- Frozen and burst pipes: what to do
- Does homeowners insurance cover water damage?
- How long water damage takes to dry
Local phone numbers checked November 2026: