Flood insurance cost · Grayson County, TX

Flood insurance cost in Grayson County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 281 home policies in force on August 31, 2026.

Grayson County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,002a year

Half of insured homes paid between $691 and $1,277. That is 8% less than the Texas median ($1,084). The most common flood zone for insured homes here is zone X (45%).

$0$691 · $1,002 · $1,277$1,596

+7.7% vs Aug 31, 2025 (median $930)

281home policies in force

$1,109average 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.

Cost by flood zone in Grayson 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	$1,248	$800–$1,654	$1,366	86 (31%)	+9.1%
Zone A High risk	$991	$732–$1,391	$1,182	68 (24%)	−4.2%
Zone X Moderate to low risk	$853	$596–$1,118	$896	127 (45%)	+6.1%

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 Grayson County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	248	$1,004	$1,100
2–4 unit building	12	$804	$1,026
Manufactured (mobile) home	20	$1,110	$1,305
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	54	$1,417	$2,402

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

335NFIP policies in force, any building

335insured units (condo association policies count every unit)

78%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Grayson 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	300	281	−6.3%
Median annual cost	$930	$1,002	+7.7%
Average annual cost	$1,064	$1,109	+4.2%
All policies in force (any building)	358	335	−6.4%

How many homes have flood insurance?

0.5%of all homes in Grayson County have an NFIP policy

16.9%of homes in high-risk zones (special flood hazard area) have one

57,645residential buildings counted by FEMA

905of 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 Grayson County, Texas have filed 743 flood claims. 614 received a payment, for a total of $18.3 million (an average of $29,795 per paid claim). The year with the most claims was 1986 (152 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 (13)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	43	40	$2,211,310	$55,283
2015	91	71	$5,949,414	$83,795
2009	12	10	$127,012	$12,701
2007	125	112	$6,177,683	$55,158
1995	10	<10	–	–
1993	33	30	$279,758	$9,325
1990	17	12	$294,030	$24,502
1989	10	<10	–	–
1986	152	133	$1,152,409	$8,665
1985	12	<10	–	–
1984	35	22	$107,947	$4,907
1982	33	28	$105,780	$3,778
1981	106	93	$814,745	$8,761

From 2016 to 2026: 43 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 Grayson County (144 home policies) · Sherman (96 home policies) · Denison (21 home policies) · Gunter (12 home policies)