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Flood insurance cost · Bexar County, TX

Flood insurance cost in Bexar County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,272 home policies in force on August 31, 2026.

Bexar County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$946a year

Half of insured homes paid between $650 and $1,260. That is 13% less than the Texas median ($1,084). Most insured homes here are rated in zone X (61%).

$0$650 · $946 · $1,260$1,575
+5.6% vs Aug 31, 2025 (median $896)
4,272home policies in force
$1,030average cost (mean)
39%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: 2 FEMA declarations · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Bexar County.

Cost by flood zone in Bexar 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		$1,238$929–$1,640$1,3511,436 (34%)+11.5%
Zone A
High risk		$1,042$776–$1,380$1,165214 (5%)+7.0%
Zone AO
High risk, shallow		$696$629–$769$76112 (0%)+7.6%
Zone X
Moderate to low risk		$778$562–$1,083$8432,610 (61%)+2.4%

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

Type of buildingPoliciesMedianAverage
Single-family home4,112$950$1,034
2–4 unit building60$1,172$1,291
Manufactured (mobile) home23$1,136$1,283
Condo or apartment unit77$487$543
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.		126$2,270$3,128
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		446$2,526$3,407
4,844NFIP policies in force, any building
5,116insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Bexar 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 force4,6374,272−7.9%
Median annual cost$896$946+5.6%
Average annual cost$956$1,030+7.7%
All policies in force (any building)5,1994,844−6.8%

How many homes have flood insurance?

0.8%of all homes in Bexar County have an NFIP policy
28.4%of homes in high-risk zones (special flood hazard area) have one
567,488residential buildings counted by FEMA
6,137of 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 Bexar County, Texas have filed 2,312 flood claims. 1,620 received a payment, for a total of $33.8 million (an average of $20,872 per paid claim). The year with the most claims was 1998 (412 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 82 claims, 66 paid, $280,352 in total1979: 31 claims, 24 paid, $74,304 in total1980: 50 claims, 35 paid, $173,887 in total19801981: 49 claims, 34 paid, $147,168 in total1982: 26 claims, 22 paid, $72,616 in total1983: 10 claims1985: 20 claims, 11 paid, $95,170 in total1986: 106 claims, 79 paid, $438,658 in total1987: 43 claims, 26 paid, $146,622 in total1988: 13 claims1990: 25 claims, 15 paid, $224,334 in total19901991: 36 claims, 21 paid, $266,915 in total1992: 38 claims, 29 paid, $233,111 in total1993: 49 claims, 40 paid, $729,175 in total1994: 10 claims1997: 14 claims1998: 412 claims, 326 paid, $11,528,693 in total19982000: 36 claims, 20 paid, $112,711 in total20002001: 57 claims, 38 paid, $387,216 in total2002: 258 claims, 170 paid, $3,694,357 in total20022004: 74 claims, 59 paid, $1,353,810 in total2006: 15 claims2007: 118 claims, 90 paid, $1,868,406 in total2009: 49 claims, 43 paid, $861,819 in total2010: 43 claims, 26 paid, $454,859 in total20102012: 39 claims, 21 paid, $287,908 in total2013: 186 claims, 156 paid, $5,396,241 in total20132014: 15 claims, 12 paid, $69,665 in total2015: 85 claims, 48 paid, $450,993 in total2016: 68 claims, 37 paid, $515,662 in total2017: 17 claims2018: 42 claims, 20 paid, $439,026 in total2019: 18 claims20202021: 63 claims, 44 paid, $1,266,757 in total2025: 30 claims, 22 paid, $1,022,400 in total2026: 11 claims
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 (36)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202611<10––
20253022$1,022,400$46,473
20216344$1,266,757$28,790
201918<10––
20184220$439,026$21,951
201717<10––
20166837$515,662$13,937
20158548$450,993$9,396
20141512$69,665$5,805
2013186156$5,396,241$34,591
20123921$287,908$13,710
20104326$454,859$17,495
20094943$861,819$20,042
200711890$1,868,406$20,760
200615<10––
20047459$1,353,810$22,946
2002258170$3,694,357$21,732
20015738$387,216$10,190
20003620$112,711$5,636
1998412326$11,528,693$35,364
199714<10––
199410<10––
19934940$729,175$18,229
19923829$233,111$8,038
19913621$266,915$12,710
19902515$224,334$14,956
198813<10––
19874326$146,622$5,639
198610679$438,658$5,553
19852011$95,170$8,652
198310<10––
19822622$72,616$3,301
19814934$147,168$4,328
19805035$173,887$4,968
19793124$74,304$3,096
19788266$280,352$4,248

From 2016 to 2026: 249 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

San Antonio (2,745 home policies) · Unincorporated Bexar County (820 home policies) · Leon Valley (97 home policies) · Helotes (63 home policies) · Alamo Heights (58 home policies) · Terrell Hills (54 home policies)