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Flood insurance cost · Kerr County, TX

Flood insurance cost in Kerr County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 432 home policies in force on August 31, 2026.

Kerr County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,260a year

Half of insured homes paid between $884 and $1,745. That is 16% more than the Texas median ($1,084). The most common flood zone for insured homes here is zone AE (43%).

$0$884 · $1,260 · $1,745$2,181
+15.6% vs Aug 31, 2025 (median $1,090)
432home policies in force
$1,608average cost (mean)
65%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: 3 FEMA declarations · individual aid · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Kerr County.

Cost by flood zone in Kerr 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		$1,406$1,015–$2,108$1,864186 (43%)+9.5%
Zone A
High risk		$1,270$958–$1,971$1,71795 (22%)+4.3%
Zone X
Moderate to low risk		$1,084$786–$1,268$1,225151 (35%)+7.4%

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 Kerr County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home399$1,263$1,627
2–4 unit building10$1,333$1,382
Manufactured (mobile) home20$1,250$1,514
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.		12$6,140$5,488
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		68$1,816$2,946

Not shown (fewer than 10 policies): condo or apartment unit.

512NFIP policies in force, any building
512insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Kerr 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 force392432+10.2%
Median annual cost$1,090$1,260+15.6%
Average annual cost$1,410$1,608+14.0%
All policies in force (any building)470512+8.9%

How many homes have flood insurance?

2.4%of all homes in Kerr County have an NFIP policy
32.6%of homes in high-risk zones (special flood hazard area) have one
21,349residential buildings counted by FEMA
1,172of 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 Kerr County, Texas have filed 376 flood claims. 287 received a payment, for a total of $21.8 million (an average of $75,833 per paid claim). The year with the most claims was 2025 (125 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 16 claims, 12 paid, $50,692 in total19801987: 19 claims, 16 paid, $275,558 in total19902000: 18 claims, 13 paid, $204,016 in total20002002: 58 claims, 48 paid, $784,108 in total20022007: 12 claims, 10 paid, $133,810 in total201020202025: 125 claims, 107 paid, $17,634,699 in total20252026: 63 claims, 39 paid, $2,092,613 in total2026
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 (7)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20266339$2,092,613$53,657
2025125107$17,634,699$164,810
20071210$133,810$13,381
20025848$784,108$16,336
20001813$204,016$15,694
19871916$275,558$17,222
19781612$50,692$4,224

From 2016 to 2026: 188 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 Kerr County (275 home policies) · Kerrville (147 home policies)