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Flood insurance cost · Aransas County, TX

Flood insurance cost in Aransas County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,662 home policies in force on August 31, 2026.

Aransas County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,336a year

Half of insured homes paid between $1,086 and $1,702. That is 23% more than the Texas median ($1,084). Most insured homes here are rated in zone X (51%).

$0$1,086 · $1,336 · $1,702$2,128
+15.7% vs Aug 31, 2025 (median $1,155)
3,662home policies in force
$1,584average cost (mean)
49%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.

Cost by flood zone in Aransas 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 VE / V
High risk, coastal		$2,346$1,702–$2,847$2,50662 (2%)+24.3%
Zone AE
High risk		$1,640$1,309–$1,991$1,9451,700 (46%)+14.8%
Zone AO
High risk, shallow		$1,710$1,380–$2,462$2,02816 (0%)+15.8%
Zone X
Moderate to low risk		$1,202$986–$1,339$1,2251,884 (51%)+12.2%

Not shown (fewer than 10 home policies): A, 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 Aransas County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,313$1,363$1,640
2–4 unit building23$1,299$1,480
Manufactured (mobile) home61$976$1,216
Condo or apartment unit265$850$989
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.		130$3,398$4,329
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		289$2,681$3,642
4,081NFIP policies in force, any building
4,731insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Aransas 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 force4,0173,662−8.8%
Median annual cost$1,155$1,336+15.7%
Average annual cost$1,397$1,584+13.4%
All policies in force (any building)4,4434,081−8.1%

How many homes have flood insurance?

25.5%of all homes in Aransas County have an NFIP policy
68.7%of homes in high-risk zones (special flood hazard area) have one
14,941residential buildings counted by FEMA
2,671of 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 Aransas County, Texas have filed 4,143 flood claims. 2,124 received a payment, for a total of $64.3 million (an average of $30,291 per paid claim). The year with the most claims was 2017 (2,497 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 107 claims, 71 paid, $231,345 in total1980: 590 claims, 434 paid, $2,379,903 in total198019801981: 10 claims1983: 15 claims1988: 34 claims, 18 paid, $56,762 in total19901991: 31 claims, 17 paid, $70,923 in total1992: 33 claims, 22 paid, $151,491 in total1997: 23 claims, 12 paid, $58,480 in total1998: 74 claims, 42 paid, $346,364 in total1999: 26 claims2000: 11 claims20002002: 30 claims, 17 paid, $137,414 in total2003: 14 claims2004: 50 claims, 36 paid, $500,467 in total2006: 46 claims, 39 paid, $822,438 in total2007: 13 claims2008: 58 claims, 31 paid, $455,399 in total2009: 36 claims, 21 paid, $420,510 in total2010: 33 claims, 17 paid, $186,670 in total20102015: 48 claims, 34 paid, $352,847 in total2016: 34 claims, 18 paid, $599,646 in total2017: 2,497 claims, 1,026 paid, $50,142,703 in total20172018: 37 claims, 24 paid, $393,117 in total2020: 20 claims20202021: 151 claims, 122 paid, $5,749,513 in total20212024: 45 claims, 33 paid, $647,890 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244533$647,890$19,633
2021151122$5,749,513$47,127
202020<10––
20183724$393,117$16,380
20172,4971,026$50,142,703$48,872
20163418$599,646$33,314
20154834$352,847$10,378
20103317$186,670$10,981
20093621$420,510$20,024
20085831$455,399$14,690
200713<10––
20064639$822,438$21,088
20045036$500,467$13,902
200314<10––
20023017$137,414$8,083
200011<10––
199926<10––
19987442$346,364$8,247
19972312$58,480$4,873
19923322$151,491$6,886
19913117$70,923$4,172
19883418$56,762$3,153
198315<10––
198110<10––
1980590434$2,379,903$5,484
197910771$231,345$3,258

From 2016 to 2026: 2,784 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.

ZIP codes in Aransas County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Aransas County (1,755 home policies) · Rockport (1,752 home policies) · Fulton (133 home policies) · Aransas Pass (20 home policies)