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Flood insurance cost · Dallas County, TX

Flood insurance cost in Dallas County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,445 home policies in force on August 31, 2026.

Dallas County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$935a year

Half of insured homes paid between $651 and $1,269. That is 14% less than the Texas median ($1,084). The most common flood zone for insured homes here is zone AE (49%).

$0$651 · $935 · $1,269$1,586
+6.1% vs Aug 31, 2025 (median $881)
4,445home policies in force
$1,100average cost (mean)
51%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 Dallas 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		$1,170$839–$1,689$1,3822,196 (49%)+7.5%
Zone A
High risk		$983$829–$1,154$1,05875 (2%)+3.3%
Zone X
Moderate to low risk		$720$545–$1,079$8162,170 (49%)+2.3%

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 Dallas County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,256$950$1,117
2–4 unit building41$822$1,029
Manufactured (mobile) home12$982$1,054
Condo or apartment unit136$564$608
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.		324$1,962$2,621
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		790$1,598$2,106
5,559NFIP policies in force, any building
6,684insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Dallas 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 force4,7434,445−6.3%
Median annual cost$881$935+6.1%
Average annual cost$1,023$1,100+7.5%
All policies in force (any building)5,8435,559−4.9%

How many homes have flood insurance?

0.8%of all homes in Dallas County have an NFIP policy
39.7%of homes in high-risk zones (special flood hazard area) have one
615,751residential buildings counted by FEMA
6,257of 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 Dallas County, Texas have filed 3,465 flood claims. 2,493 received a payment, for a total of $69.5 million (an average of $27,882 per paid claim). The year with the most claims was 1991 (344 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 145 claims, 113 paid, $770,209 in total1980: 43 claims, 26 paid, $353,257 in total19801981: 146 claims, 105 paid, $518,120 in total1982: 71 claims, 40 paid, $162,015 in total1983: 27 claims, 16 paid, $105,620 in total1984: 22 claims, 16 paid, $21,485 in total1985: 57 claims, 31 paid, $178,940 in total1986: 36 claims, 18 paid, $82,137 in total1987: 15 claims1988: 36 claims, 26 paid, $286,504 in total1989: 266 claims, 195 paid, $4,041,713 in total19891990: 244 claims, 191 paid, $5,511,536 in total19901991: 344 claims, 283 paid, $4,700,163 in total19911992: 27 claims, 20 paid, $135,061 in total1993: 22 claims, 15 paid, $55,403 in total1994: 83 claims, 56 paid, $698,869 in total1995: 265 claims, 200 paid, $3,504,680 in total19951996: 25 claims, 15 paid, $209,374 in total1997: 32 claims, 16 paid, $315,942 in total1998: 26 claims, 21 paid, $402,795 in total1999: 22 claims, 14 paid, $133,462 in total2000: 58 claims, 26 paid, $383,347 in total20002001: 55 claims, 31 paid, $318,866 in total2002: 29 claims, 14 paid, $104,787 in total2004: 166 claims, 151 paid, $7,903,552 in total2006: 130 claims, 115 paid, $4,450,408 in total2007: 44 claims, 27 paid, $393,396 in total2008: 48 claims, 31 paid, $733,915 in total2009: 74 claims, 58 paid, $1,041,579 in total2010: 22 claims, 10 paid, $153,219 in total20102011: 20 claims2012: 20 claims, 12 paid, $238,505 in total2013: 10 claims2015: 257 claims, 193 paid, $9,428,780 in total2016: 39 claims, 23 paid, $967,641 in total2017: 33 claims, 25 paid, $936,558 in total2018: 105 claims, 80 paid, $4,476,529 in total2019: 61 claims, 42 paid, $1,832,952 in total2020: 19 claims20202021: 75 claims, 51 paid, $2,913,923 in total2022: 128 claims, 83 paid, $6,755,092 in total2023: 14 claims, 10 paid, $428,782 in total2024: 27 claims, 12 paid, $396,051 in total2025: 21 claims, 16 paid, $1,355,013 in total2026: 31 claims, 21 paid, $1,242,419 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 (45)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263121$1,242,419$59,163
20252116$1,355,013$84,688
20242712$396,051$33,004
20231410$428,782$42,878
202212883$6,755,092$81,387
20217551$2,913,923$57,136
202019<10––
20196142$1,832,952$43,642
201810580$4,476,529$55,957
20173325$936,558$37,462
20163923$967,641$42,071
2015257193$9,428,780$48,854
201310<10––
20122012$238,505$19,875
201120<10––
20102210$153,219$15,322
20097458$1,041,579$17,958
20084831$733,915$23,675
20074427$393,396$14,570
2006130115$4,450,408$38,699
2004166151$7,903,552$52,341
20022914$104,787$7,485
20015531$318,866$10,286
20005826$383,347$14,744
19992214$133,462$9,533
19982621$402,795$19,181
19973216$315,942$19,746
19962515$209,374$13,958
1995265200$3,504,680$17,523
19948356$698,869$12,480
19932215$55,403$3,694
19922720$135,061$6,753
1991344283$4,700,163$16,608
1990244191$5,511,536$28,856
1989266195$4,041,713$20,727
19883626$286,504$11,019
198715<10––
19863618$82,137$4,563
19855731$178,940$5,772
19842216$21,485$1,343
19832716$105,620$6,601
19827140$162,015$4,050
1981146105$518,120$4,934
19804326$353,257$13,587
1979145113$770,209$6,816

From 2016 to 2026: 553 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

Dallas (2,229 home policies) · Garland (393 home policies) · Irving (386 home policies) · Coppell (183 home policies) · Duncanville (136 home policies) · Richardson (134 home policies)