Flood insurance cost · Guadalupe County, TX

Flood insurance cost in Guadalupe County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,232 home policies in force on August 31, 2026.

Guadalupe County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,458a year

Half of insured homes paid between $1,083 and $2,356. That is 35% more than the Texas median ($1,084). Most insured homes here are rated in zone AE (73%).

$0$1,083 · $1,458 · $2,356$2,945

+12.9% vs Aug 31, 2025 (median $1,291)

2,232home policies in force

$1,855average cost (mean)

78%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: 1 FEMA declaration · individual aid · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Guadalupe County.

Cost by flood zone in Guadalupe 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	$1,771	$1,267–$2,698	$2,134	1,627 (73%)	+9.3%
Zone A High risk	$1,248	$1,008–$1,736	$1,402	116 (5%)	−0.8%
Zone X Moderate to low risk	$1,020	$702–$1,234	$1,035	489 (22%)	+9.7%

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 Guadalupe County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,159	$1,467	$1,865
Manufactured (mobile) home	53	$1,371	$1,588
Condo or apartment unit	11	$1,165	$1,171
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	78	$2,634	$3,496

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

2,319NFIP policies in force, any building

2,319insured units (condo association policies count every unit)

76%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Guadalupe 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	2,283	2,232	−2.2%
Median annual cost	$1,291	$1,458	+12.9%
Average annual cost	$1,684	$1,855	+10.2%
All policies in force (any building)	2,382	2,319	−2.6%

How many homes have flood insurance?

3.6%of all homes in Guadalupe County have an NFIP policy

39.8%of homes in high-risk zones (special flood hazard area) have one

62,019residential buildings counted by FEMA

4,390of 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 Guadalupe County, Texas have filed 2,453 flood claims. 2,122 received a payment, for a total of $109.5 million (an average of $51,593 per paid claim). The year with the most claims was 1998 (876 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
2021	14	<10	–	–
2015	69	54	$2,697,592	$49,955
2013	11	<10	–	–
2010	273	227	$7,791,874	$34,325
2007	33	30	$685,320	$22,844
2004	360	333	$14,652,099	$44,000
2002	637	517	$18,613,187	$36,002
2001	25	16	$597,571	$37,348
1998	876	821	$62,641,319	$76,299
1994	11	<10	–	–
1991	20	<10	–	–
1981	31	31	$354,644	$11,440
1979	10	<10	–	–

From 2016 to 2026: 14 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 Guadalupe County

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

Main NFIP communities in the county

Unincorporated Guadalupe County (1,018 home policies) · New Braunfels (550 home policies) · Schertz (284 home policies) · Seguin (273 home policies) · Cibolo (82 home policies)