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Flood insurance cost · Jefferson County, TX

Flood insurance cost in Jefferson County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 18,082 home policies in force on August 31, 2026.

Jefferson County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,147a year

Half of insured homes paid between $989 and $1,266. That is 6% more than the Texas median ($1,084). Most insured homes here are rated in zone X (85%).

$0$989 · $1,147 · $1,266$1,582
+12.7% vs Aug 31, 2025 (median $1,018)
18,082home policies in force
$1,151average cost (mean)
15%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 Jefferson 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		$1,113$810–$1,483$1,2371,093 (6%)+8.3%
Zone A
High risk		$1,289$1,026–$1,534$1,314395 (2%)+6.2%
Zone AH
High risk, shallow		$1,269$1,132–$1,472$1,3621,223 (7%)+16.6%
Zone X
Moderate to low risk		$1,122$990–$1,264$1,12415,366 (85%)+11.9%

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

Type of buildingPoliciesMedianAverage
Single-family home17,509$1,156$1,159
2–4 unit building145$1,242$1,277
Manufactured (mobile) home154$1,030$1,144
Condo or apartment unit274$574$567
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.		448$1,493$1,684
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,513$2,941$3,616
20,043NFIP policies in force, any building
20,223insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Jefferson 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 force19,97018,082−9.5%
Median annual cost$1,018$1,147+12.7%
Average annual cost$1,023$1,151+12.5%
All policies in force (any building)22,09520,043−9.3%

How many homes have flood insurance?

22.0%of all homes in Jefferson County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
84,841residential buildings counted by FEMA
0of 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 Jefferson County, Texas have filed 22,747 flood claims. 17,894 received a payment, for a total of $1.2 billion (an average of $66,548 per paid claim). The year with the most claims was 2017 (7,338 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 931 claims, 757 paid, $5,104,872 in total1980: 1,497 claims, 1,253 paid, $5,880,013 in total19801981: 25 claims, 13 paid, $38,904 in total1982: 162 claims, 111 paid, $349,737 in total1983: 607 claims, 414 paid, $1,409,423 in total1984: 29 claims1985: 39 claims, 20 paid, $38,271 in total1986: 48 claims, 27 paid, $93,521 in total1987: 284 claims, 227 paid, $2,124,251 in total1989: 686 claims, 563 paid, $5,014,582 in total1990: 26 claims, 20 paid, $187,598 in total19901991: 80 claims, 68 paid, $258,495 in total1992: 14 claims1993: 53 claims, 45 paid, $286,305 in total1994: 466 claims, 399 paid, $10,955,136 in total1995: 119 claims, 100 paid, $779,365 in total1996: 180 claims, 151 paid, $1,713,158 in total1997: 14 claims1998: 92 claims, 73 paid, $580,085 in total2000: 152 claims, 130 paid, $1,644,498 in total20002001: 718 claims, 621 paid, $13,580,585 in total2002: 653 claims, 560 paid, $10,925,720 in total2003: 136 claims, 121 paid, $2,147,193 in total2004: 54 claims, 39 paid, $480,115 in total2005: 2,634 claims, 1,225 paid, $38,825,373 in total20052006: 186 claims, 159 paid, $3,031,719 in total2007: 117 claims, 69 paid, $533,334 in total2008: 1,604 claims, 961 paid, $65,318,439 in total2009: 61 claims, 37 paid, $419,582 in total20102011: 13 claims2012: 29 claims, 13 paid, $67,306 in total2013: 35 claims, 26 paid, $335,765 in total2014: 159 claims, 132 paid, $2,549,424 in total2015: 92 claims, 64 paid, $1,297,286 in total2016: 46 claims, 27 paid, $569,890 in total2017: 7,338 claims, 6,555 paid, $774,059,870 in total20172018: 148 claims, 110 paid, $1,963,798 in total2019: 2,771 claims, 2,552 paid, $229,195,743 in total20192020: 110 claims, 24 paid, $957,261 in total20202021: 131 claims, 78 paid, $2,926,422 in total2022: 39 claims, 22 paid, $529,461 in total2024: 46 claims, 20 paid, $657,451 in total2026: 78 claims, 66 paid, $3,004,254 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 (43)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20267866$3,004,254$45,519
20244620$657,451$32,873
20223922$529,461$24,066
202113178$2,926,422$37,518
202011024$957,261$39,886
20192,7712,552$229,195,743$89,810
2018148110$1,963,798$17,853
20177,3386,555$774,059,870$118,087
20164627$569,890$21,107
20159264$1,297,286$20,270
2014159132$2,549,424$19,314
20133526$335,765$12,914
20122913$67,306$5,177
201113<10––
20096137$419,582$11,340
20081,604961$65,318,439$67,969
200711769$533,334$7,729
2006186159$3,031,719$19,067
20052,6341,225$38,825,373$31,694
20045439$480,115$12,311
2003136121$2,147,193$17,745
2002653560$10,925,720$19,510
2001718621$13,580,585$21,869
2000152130$1,644,498$12,650
19989273$580,085$7,946
199714<10––
1996180151$1,713,158$11,345
1995119100$779,365$7,794
1994466399$10,955,136$27,456
19935345$286,305$6,362
199214<10––
19918068$258,495$3,801
19902620$187,598$9,380
1989686563$5,014,582$8,907
1987284227$2,124,251$9,358
19864827$93,521$3,464
19853920$38,271$1,914
198429<10––
1983607414$1,409,423$3,404
1982162111$349,737$3,151
19812513$38,904$2,993
19801,4971,253$5,880,013$4,693
1979931757$5,104,872$6,744

From 2016 to 2026: 10,707 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 Jefferson County

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

Main NFIP communities in the county

Beaumont (5,681 home policies) · Port Arthur (4,034 home policies) · Unincorporated Jefferson County (3,221 home policies) · Groves (1,662 home policies) · Nederland (1,605 home policies) · Port Neches (1,509 home policies)