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Flood insurance cost · TX

Flood insurance cost in Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 491,317 home policies in force on August 31, 2026.

TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $804 and $1,267. That is about the same as the national median ($1,082). Most insured homes here are rated in zone X (67%).

$0$804 · $1,084 · $1,267$1,584
+14.1% vs Aug 31, 2025 (median $950)
491,317home policies in force
$1,167average cost (mean)
33%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Texas, county by county.

Cost by flood zone in Texas

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,943$1,368–$2,893$2,3578,522 (2%)+4.3%
Zone AE
High risk		$1,266$961–$1,781$1,496134,506 (27%)+9.3%
Zone A
High risk		$1,044$762–$1,420$1,19712,336 (3%)+5.6%
Zone AO
High risk, shallow		$883$721–$1,173$9783,150 (1%)+5.1%
Zone AH
High risk, shallow		$754$585–$1,059$8625,526 (1%)+3.3%
Zone X
Moderate to low risk		$1,064$761–$1,238$1,007327,205 (67%)+14.4%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Texas, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home472,255$1,084$1,177
2–4 unit building4,769$1,106$1,259
Manufactured (mobile) home4,290$957$1,122
Condo or apartment unit10,003$630$698
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		10,152$2,200$3,134
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		30,674$2,208$2,989
532,143NFIP policies in force, any building
560,878insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Texas

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force536,199491,317−8.4%
Median annual cost$950$1,084+14.1%
Average annual cost$1,067$1,167+9.4%
All policies in force (any building)578,911532,143−8.1%

Flood claims history

Since 1978, NFIP policyholders in Texas have filed 394,204 flood claims. 315,852 received a payment, for a total of $17.4 billion (an average of $55,164 per paid claim). The year with the most claims was 2017 (93,589 claims). Amounts are in dollars of the time, not adjusted for inflation.

025k50k75k100k1978: 673 claims, 525 paid, $2,706,921 in total1979: 21,721 claims, 18,876 paid, $217,766,319 in total1980: 7,154 claims, 5,262 paid, $34,099,420 in total19801981: 10,097 claims, 8,331 paid, $57,159,754 in total1982: 2,359 claims, 1,793 paid, $15,296,578 in total1983: 17,691 claims, 12,587 paid, $152,679,619 in total1984: 2,964 claims, 2,236 paid, $23,817,663 in total1985: 2,065 claims, 1,400 paid, $9,788,842 in total1986: 1,363 claims, 948 paid, $6,718,239 in total1987: 1,821 claims, 1,291 paid, $9,937,936 in total1988: 695 claims, 410 paid, $3,634,639 in total1989: 13,158 claims, 10,160 paid, $154,671,012 in total1990: 1,772 claims, 1,397 paid, $23,703,117 in total19901991: 3,494 claims, 2,707 paid, $34,224,802 in total1992: 4,106 claims, 3,429 paid, $59,269,858 in total1993: 1,280 claims, 1,011 paid, $10,242,038 in total1994: 7,948 claims, 6,874 paid, $226,185,573 in total1995: 1,937 claims, 1,413 paid, $14,817,435 in total1996: 1,055 claims, 804 paid, $10,209,527 in total1997: 3,408 claims, 2,677 paid, $36,837,178 in total1998: 12,582 claims, 10,273 paid, $265,279,466 in total1999: 1,361 claims, 887 paid, $8,726,809 in total2000: 1,379 claims, 979 paid, $14,708,332 in total20002001: 29,242 claims, 25,539 paid, $1,004,074,397 in total20012002: 9,505 claims, 7,785 paid, $199,069,925 in total2003: 3,867 claims, 3,008 paid, $53,275,527 in total2004: 2,907 claims, 2,373 paid, $61,048,103 in total2005: 4,564 claims, 2,048 paid, $57,577,296 in total2006: 4,705 claims, 3,991 paid, $99,358,557 in total2007: 4,280 claims, 3,427 paid, $91,627,222 in total2008: 47,167 claims, 36,402 paid, $2,278,752,964 in total20082009: 6,533 claims, 5,699 paid, $172,637,014 in total2010: 2,659 claims, 1,895 paid, $72,469,695 in total20102011: 271 claims, 92 paid, $1,507,394 in total2012: 2,104 claims, 1,545 paid, $35,870,298 in total2013: 1,933 claims, 1,495 paid, $63,441,133 in total2014: 1,159 claims, 797 paid, $15,446,844 in total2015: 12,576 claims, 10,283 paid, $582,304,932 in total2016: 13,928 claims, 11,740 paid, $703,711,699 in total2017: 93,589 claims, 77,353 paid, $9,078,565,235 in total20172018: 3,280 claims, 2,418 paid, $121,010,694 in total2019: 13,982 claims, 12,528 paid, $872,369,459 in total2020: 2,286 claims, 1,408 paid, $44,380,128 in total20202021: 2,532 claims, 1,371 paid, $46,047,810 in total2022: 690 claims, 383 paid, $18,213,193 in total2023: 565 claims, 328 paid, $14,736,324 in total2024: 4,718 claims, 3,152 paid, $162,436,407 in total2025: 2,425 claims, 2,086 paid, $158,551,097 in total2026: 654 claims, 436 paid, $22,573,246 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026654436$22,573,246$51,774
20252,4252,086$158,551,097$76,007
20244,7183,152$162,436,407$51,534
2023565328$14,736,324$44,928
2022690383$18,213,193$47,554
20212,5321,371$46,047,810$33,587
20202,2861,408$44,380,128$31,520
201913,98212,528$872,369,459$69,634
20183,2802,418$121,010,694$50,046
201793,58977,353$9,078,565,235$117,365
201613,92811,740$703,711,699$59,941
201512,57610,283$582,304,932$56,628
20141,159797$15,446,844$19,381
20131,9331,495$63,441,133$42,436
20122,1041,545$35,870,298$23,217
201127192$1,507,394$16,385
20102,6591,895$72,469,695$38,243
20096,5335,699$172,637,014$30,293
200847,16736,402$2,278,752,964$62,600
20074,2803,427$91,627,222$26,737
20064,7053,991$99,358,557$24,896
20054,5642,048$57,577,296$28,114
20042,9072,373$61,048,103$25,726
20033,8673,008$53,275,527$17,711
20029,5057,785$199,069,925$25,571
200129,24225,539$1,004,074,397$39,315
20001,379979$14,708,332$15,024
19991,361887$8,726,809$9,839
199812,58210,273$265,279,466$25,823
19973,4082,677$36,837,178$13,761
19961,055804$10,209,527$12,698
19951,9371,413$14,817,435$10,487
19947,9486,874$226,185,573$32,905
19931,2801,011$10,242,038$10,131
19924,1063,429$59,269,858$17,285
19913,4942,707$34,224,802$12,643
19901,7721,397$23,703,117$16,967
198913,15810,160$154,671,012$15,224
1988695410$3,634,639$8,865
19871,8211,291$9,937,936$7,698
19861,363948$6,718,239$7,087
19852,0651,400$9,788,842$6,992
19842,9642,236$23,817,663$10,652
198317,69112,587$152,679,619$12,130
19822,3591,793$15,296,578$8,531
198110,0978,331$57,159,754$6,861
19807,1545,262$34,099,420$6,480
197921,72118,876$217,766,319$11,537
1978673525$2,706,921$5,156

From 2016 to 2026: 138,649 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Texas

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Anderson County42$886
Archer County38$774
Bailey County12$788
Blanco County88$1,161
Bosque County58$924
Brooks County88$1,016
Burleson County82$716
Cass County19$810
Clay County41$1,017
Coleman County14$716
Collingsworth County20$548
Comanche County28$814
Crockett County20$1,528
Dawson County11$915
Dimmit County22$657
Duval County23$840
Eastland County70$1,092
Erath County55$940
Franklin County10$582
Freestone County31$806
Goliad County43$889
Hale County48$604
Haskell County56$680
Hill County67$1,054
Hockley County47$657
Hopkins County57$893
Houston County66$655
Howard County40$599
Jeff Davis County10$1,086
Jim Hogg County11$1,105
Jones County72$936
Karnes County28$1,007
Kimble County38$1,265
Lampasas County98$906
Lee County27$756
Leon County34$764
Limestone County60$1,036
Lipscomb County11$1,132
Live Oak County93$1,240
Madison County32$962
Marion County10$726
Mason County10$978
McCulloch County12$824
McMullen County10$1,416
Menard County37$1,002
Milam County47$706
Montague County62$1,089
Moore County11$389
Morris County15$754
Nacogdoches County94$908
Nolan County57$899
Panola County14$488
Presidio County17$622
Rains County13$709
Reeves County13$970
Runnels County10$635
Rusk County57$794
San Augustine County26$874
San Saba County42$943
Shackelford County15$707
Shelby County22$934
Somervell County46$1,363
Stephens County81$721
Sutton County14$1,094
Swisher County12$594
Titus County25$747
Trinity County40$567
Upshur County31$808
Wilbarger County13$499
Wood County63$904
Yoakum County31$1,331
Young County56$770
Zapata County32$675
Zavala County59$805

ZIP codes with the most insured homes