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Flood insurance cost · Angelina County, TX

Flood insurance cost in Angelina County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 286 home policies in force on August 31, 2026.

Angelina County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,073a year

Half of insured homes paid between $776 and $1,539. That is about the same as the Texas median ($1,084). The most common flood zone for insured homes here is zone AE (49%).

$0$776 · $1,073 · $1,539$1,924
+12.1% vs Aug 31, 2025 (median $957)
286home policies in force
$1,238average cost (mean)
67%of insured homes in high-risk zones (A, V)
$226,500median 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.

Cost by flood zone in Angelina County

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 AE
High risk		$1,398$1,030–$1,901$1,538140 (49%)+14.1%
Zone A
High risk		$982$770–$1,546$1,18952 (18%)−2.8%
Zone X
Moderate to low risk		$806$612–$1,055$81794 (33%)+7.2%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Angelina County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home271$1,075$1,235
Manufactured (mobile) home11$819$1,150
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.		32$3,106$4,594
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		67$2,396$2,986

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

385NFIP policies in force, any building
385insured units (condo association policies count every unit)
73%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: Angelina County

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 force293286−2.4%
Median annual cost$957$1,073+12.1%
Average annual cost$1,144$1,238+8.2%
All policies in force (any building)388385−0.8%

How many homes have flood insurance?

0.9%of all homes in Angelina County have an NFIP policy
25.1%of homes in high-risk zones (special flood hazard area) have one
32,742residential buildings counted by FEMA
847of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Angelina County, Texas have filed 331 flood claims. 273 received a payment, for a total of $5,404,820 (an average of $19,798 per paid claim). The year with the most claims was 2004 (55 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801982: 10 claims19901995: 43 claims, 40 paid, $506,484 in total19951999: 16 claims, 14 paid, $229,197 in total20002004: 55 claims, 49 paid, $1,188,920 in total20042009: 32 claims, 30 paid, $850,992 in total20102015: 40 claims, 35 paid, $566,881 in total201520202021: 17 claims, 13 paid, $615,857 in total2025: 15 claims, 14 paid, $843,107 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 (8)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251514$843,107$60,222
20211713$615,857$47,374
20154035$566,881$16,197
20093230$850,992$28,366
20045549$1,188,920$24,264
19991614$229,197$16,371
19954340$506,484$12,662
198210<10––

From 2016 to 2026: 32 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.

Main NFIP communities in the county

Lufkin (167 home policies) · Unincorporated Angelina County (93 home policies) · Diboll (19 home policies)