Quick answer
For water damage in Savoy, TX, shut off your main valve first, or turn off the well pump breaker if you are on a private well. For a leak at the meter, call Savoy City Hall at 903-965-7706. 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.
The Fannin County septic office and freeze data are on the Honey Grove page.
- Shut off the water. Shut the main valve, then call City Hall about anything at the meter. Savoy bills water through City Hall at 405 E. Hayes Street, open weekdays 8 to 4.
- 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. Nearly two thirds of Savoy's homes were built before 1980, so supply lines and drains may be decades old. Ask for moisture readings in nearby walls, not just at the leak.
The May 2015 storms left damage at 8 homes in ZIP 75479. Low roads near Savoy can go under in a fast storm. If water covers the road, turn back.
What to know about water damage in Savoy
$36,410
Damage FEMA inspectors found at 8 Savoy-area homes after the May and June 2015 storms and floods, the costliest event for the ZIP in FEMA owner records.
Founded about 1863
The city says Savoy was established about 1863 by Colonel William Savoy.
Source: City of Savoy
Grew after 1950
Savoy counted 314 people in 1950, then 493 in 1960 and 756 in 1970.
Source: Savoy, Texas
On SH 56
SH 56 leads 11 miles east to Bonham and 2.5 miles west to Bells, and US 82 passes a mile north of town toward Sherman.
Source: Savoy, Texas
Homes in Savoy
The median home dates to 1968, and 37% were built before 1960. About 67% are owner-occupied, and the median value is about $155,500.
4 damaged homes
After the February 2021 winter storm, 15 homeowners in ZIP 75479 registered for FEMA aid. Inspectors found damage at 4 homes, totaling about $4,566. Owners who did not apply are not counted.
Check your ZIP
Flash flood warnings in Fannin County
The National Weather Service issued 21 flash flood warnings that included Fannin County from 2016 through November 12, 2026. The year-by-year count is on the Honey Grove page.
Cost and insurance in Savoy
How much does water damage restoration cost in Savoy?
Most jobs run $450 to $16,000 (Angi). Water from a storm or creek is a flood claim, not a homeowners claim. Wet drywall and older subfloors take longer.
Water removal and restoration in Savoy
The company that answers handles burst pipes in hard freezes, aging supply lines, storm water after spring rain, and sewer backups, plus burst pipes, appliance leaks, drying, and septic backups.
Savoy questions
How do I reach the City of Savoy about water?
City Hall, 903-965-7706, weekdays 8 a.m. to 4 p.m. Water bills can also be paid online.
Did the 2015 floods hit Savoy?
Yes. After the May 2015 storms, 12 owners in ZIP 75479 registered with FEMA, and inspectors found about $36,410 in damage at 8 homes.
Who handles septic in Savoy?
For homes on septic, Fannin County Environmental Development in Bonham. Details are on the Honey Grove page.
Which ZIP codes does this page cover?
ZIP 75479 within the City of Savoy.
Related guides
Other Texas towns- Burst pipe, not frozen
- Water mitigation vs. restoration
- 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: