Menu

Flood insurance cost · Hardin County, TX

Flood insurance cost in Hardin County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,571 home policies in force on August 31, 2026.

Hardin County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$955a year

Half of insured homes paid between $684 and $1,227. That is 12% less than the Texas median ($1,084). Most insured homes here are rated in zone X (76%).

$0$684 · $955 · $1,227$1,534
+4.3% vs Aug 31, 2025 (median $916)
2,571home policies in force
$983average cost (mean)
24%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 Hardin 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		$1,134$835–$1,444$1,223462 (18%)+5.3%
Zone A
High risk		$1,069$864–$1,392$1,201163 (6%)+7.2%
Zone X
Moderate to low risk		$893$653–$1,093$9081,946 (76%)+3.1%

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 Hardin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,494$955$984
Manufactured (mobile) home64$978$1,044
Condo or apartment unit10$378$359
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		89$1,587$1,991

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

2,667NFIP policies in force, any building
2,667insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hardin 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 force2,7532,571−6.6%
Median annual cost$916$955+4.3%
Average annual cost$911$983+7.9%
All policies in force (any building)2,8592,667−6.7%

How many homes have flood insurance?

12.2%of all homes in Hardin County have an NFIP policy
43.4%of homes in high-risk zones (special flood hazard area) have one
21,330residential buildings counted by FEMA
1,474of 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 Hardin County, Texas have filed 2,412 flood claims. 2,091 received a payment, for a total of $191.4 million (an average of $91,522 per paid claim). The year with the most claims was 2017 (852 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 82 claims, 81 paid, $1,099,795 in total1980: 26 claims, 22 paid, $46,906 in total19801983: 43 claims, 32 paid, $188,053 in total1986: 26 claims, 19 paid, $82,120 in total1987: 18 claims, 16 paid, $154,094 in total1989: 156 claims, 136 paid, $2,080,416 in total19901994: 280 claims, 259 paid, $10,357,899 in total19941998: 15 claims20002001: 97 claims, 83 paid, $1,843,320 in total2002: 53 claims, 46 paid, $585,505 in total2003: 17 claims, 15 paid, $162,459 in total2005: 122 claims, 78 paid, $2,988,650 in total2006: 165 claims, 155 paid, $5,949,723 in total20062007: 48 claims, 42 paid, $675,562 in total2008: 51 claims, 30 paid, $335,532 in total20102013: 11 claims2015: 87 claims, 71 paid, $2,587,735 in total2016: 49 claims, 44 paid, $1,017,537 in total2017: 852 claims, 785 paid, $155,452,293 in total20172019: 54 claims, 44 paid, $1,756,255 in total20202023: 10 claims2024: 40 claims, 34 paid, $2,457,611 in total2026: 17 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202617<10––
20244034$2,457,611$72,283
202310<10––
20195444$1,756,255$39,915
2017852785$155,452,293$198,028
20164944$1,017,537$23,126
20158771$2,587,735$36,447
201311<10––
20085130$335,532$11,184
20074842$675,562$16,085
2006165155$5,949,723$38,385
200512278$2,988,650$38,316
20031715$162,459$10,831
20025346$585,505$12,728
20019783$1,843,320$22,209
199815<10––
1994280259$10,357,899$39,992
1989156136$2,080,416$15,297
19871816$154,094$9,631
19862619$82,120$4,322
19834332$188,053$5,877
19802622$46,906$2,132
19798281$1,099,795$13,578

From 2016 to 2026: 1,022 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 Hardin County

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

Main NFIP communities in the county

Unincorporated Hardin County (1,477 home policies) · Lumberton (789 home policies) · Sour Lake (128 home policies) · Silsbee (95 home policies) · Rose Hill Acres (57 home policies) · Kountze (15 home policies)