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Flood insurance cost · Hays County, TX

Flood insurance cost in Hays County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,499 home policies in force on August 31, 2026.

Hays County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $807 and $1,430. That is about the same as the Texas median ($1,084). The most common flood zone for insured homes here is zone X (47%).

$0$807 · $1,086 · $1,430$1,788
+11.0% vs Aug 31, 2025 (median $978)
1,499home policies in force
$1,303average cost (mean)
53%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: No FEMA declaration · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Hays County.

Cost by flood zone in Hays 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		$1,409$1,117–$2,080$1,787571 (38%)+11.8%
Zone A
High risk		$1,065$775–$1,417$1,23273 (5%)+3.1%
Zone AO
High risk, shallow		$1,055$862–$1,283$1,104100 (7%)+38.8%
Zone AH
High risk, shallow		$1,056$942–$1,331$1,12452 (3%)+7.6%
Zone X
Moderate to low risk		$891$622–$1,168$959703 (47%)+2.6%

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

Type of buildingPoliciesMedianAverage
Single-family home1,420$1,087$1,314
2–4 unit building41$1,056$1,189
Manufactured (mobile) home21$1,154$1,195
Condo or apartment unit17$622$794
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.		84$2,505$3,128
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		155$1,667$2,326
1,738NFIP policies in force, any building
1,743insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hays 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 force1,7121,499−12.4%
Median annual cost$978$1,086+11.0%
Average annual cost$1,156$1,303+12.7%
All policies in force (any building)2,0091,738−13.5%

How many homes have flood insurance?

2.3%of all homes in Hays County have an NFIP policy
44.0%of homes in high-risk zones (special flood hazard area) have one
70,415residential buildings counted by FEMA
2,033of 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 Hays County, Texas have filed 1,489 flood claims. 1,263 received a payment, for a total of $71.7 million (an average of $56,788 per paid claim). The year with the most claims was 2015 (730 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 21 claims, 20 paid, $66,739 in total19801981: 115 claims, 99 paid, $1,008,942 in total19811985: 32 claims, 20 paid, $157,128 in total19901997: 24 claims, 21 paid, $430,625 in total1998: 254 claims, 193 paid, $3,586,618 in total199820002001: 59 claims, 49 paid, $1,114,331 in total2002: 15 claims, 10 paid, $121,630 in total2007: 13 claims, 10 paid, $184,625 in total20102013: 85 claims, 73 paid, $3,014,518 in total2015: 730 claims, 676 paid, $59,053,590 in total20152016: 20 claims, 14 paid, $285,426 in total2017: 23 claims, 16 paid, $648,164 in total2019: 39 claims, 32 paid, $1,644,210 in total2020
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 lossClaimsPaid claimsTotal paidAverage per paid claim
20193932$1,644,210$51,382
20172316$648,164$40,510
20162014$285,426$20,388
2015730676$59,053,590$87,357
20138573$3,014,518$41,295
20071310$184,625$18,462
20021510$121,630$12,163
20015949$1,114,331$22,741
1998254193$3,586,618$18,584
19972421$430,625$20,506
19853220$157,128$7,856
198111599$1,008,942$10,191
19792120$66,739$3,337

From 2016 to 2026: 82 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 Hays County

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

Main NFIP communities in the county

Unincorporated Hays County (639 home policies) · San Marcos (432 home policies) · Wimberley (271 home policies) · Kyle (65 home policies) · Buda (45 home policies) · Woodcreek (22 home policies)