Flood insurance cost · Bastrop County, TX

Flood insurance cost in Bastrop County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 474 home policies in force on August 31, 2026.

Bastrop County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,146a year

Half of insured homes paid between $842 and $1,456. That is 6% more than the Texas median ($1,084). The most common flood zone for insured homes here is zone X (45%).

$0$842 · $1,146 · $1,456$1,820

+10.9% vs Aug 31, 2025 (median $1,033)

474home policies in force

$1,366average cost (mean)

55%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: No FEMA declaration · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Bastrop County.

Cost by flood zone in Bastrop 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,404	$1,091–$2,544	$1,997	114 (24%)	+15.1%
Zone A High risk	$1,063	$841–$1,551	$1,304	142 (30%)	+2.6%
Zone X Moderate to low risk	$1,084	$693–$1,267	$1,060	213 (45%)	+16.4%

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 Bastrop County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	441	$1,148	$1,378
Manufactured (mobile) home	30	$1,076	$1,243
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	24	$1,648	$2,146

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

498NFIP policies in force, any building

498insured units (condo association policies count every unit)

79%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Bastrop 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, 2025	Aug 31, 2026	Change
Home policies in force	499	474	−5.0%
Median annual cost	$1,033	$1,146	+10.9%
Average annual cost	$1,239	$1,366	+10.3%
All policies in force (any building)	524	498	−5.0%

How many homes have flood insurance?

1.3%of all homes in Bastrop County have an NFIP policy

21.1%of homes in high-risk zones (special flood hazard area) have one

37,299residential buildings counted by FEMA

1,252of 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 Bastrop County, Texas have filed 331 flood claims. 273 received a payment, for a total of $9,925,704 (an average of $36,358 per paid claim). The year with the most claims was 2015 (100 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (6)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	40	32	$1,483,431	$46,357
2016	93	84	$3,140,783	$37,390
2015	100	80	$3,311,793	$41,397
2012	11	10	$218,842	$21,884
1998	26	25	$795,279	$31,811
1991	17	13	$328,493	$25,269

From 2016 to 2026: 133 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

Unincorporated Bastrop County (380 home policies) · Bastrop (62 home policies) · Smithville (21 home policies) · Elgin (10 home policies)