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Flood insurance cost · Matagorda County, TX

Flood insurance cost in Matagorda County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,331 home policies in force on August 31, 2026.

Matagorda County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,246a year

Half of insured homes paid between $1,031 and $1,690. That is 15% more than the Texas median ($1,084). The most common flood zone for insured homes here is zone AE (43%).

$0$1,031 · $1,246 · $1,690$2,112
+15.1% vs Aug 31, 2025 (median $1,083)
2,331home policies in force
$1,575average cost (mean)
64%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 Matagorda County.

Cost by flood zone in Matagorda 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 VE / V
High risk, coastal		$2,321$1,570–$3,598$2,811338 (15%)+6.0%
Zone AE
High risk		$1,347$1,058–$1,816$1,5881,007 (43%)+11.0%
Zone A
High risk		$1,162$949–$1,472$1,264136 (6%)+13.1%
Zone X
Moderate to low risk		$1,087$967–$1,261$1,117850 (36%)+10.7%

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

Type of buildingPoliciesMedianAverage
Single-family home2,272$1,250$1,579
2–4 unit building16$1,326$1,887
Manufactured (mobile) home36$1,082$1,274
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.		55$1,033$1,675
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		177$1,910$2,556

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

2,563NFIP policies in force, any building
2,563insured units (condo association policies count every unit)
84%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: Matagorda 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 force2,4592,331−5.2%
Median annual cost$1,083$1,246+15.1%
Average annual cost$1,434$1,575+9.8%
All policies in force (any building)2,6982,563−5.0%

How many homes have flood insurance?

15.1%of all homes in Matagorda County have an NFIP policy
33.3%of homes in high-risk zones (special flood hazard area) have one
15,926residential buildings counted by FEMA
4,518of 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 Matagorda County, Texas have filed 2,144 flood claims. 1,554 received a payment, for a total of $25.0 million (an average of $16,069 per paid claim). The year with the most claims was 2017 (306 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 215 claims, 173 paid, $730,535 in total19791980: 27 claims, 18 paid, $51,663 in total19801981: 119 claims, 94 paid, $259,015 in total1982: 31 claims, 26 paid, $137,842 in total1983: 37 claims, 22 paid, $169,461 in total1984: 170 claims, 138 paid, $710,681 in total1987: 17 claims1989: 15 claims, 11 paid, $24,787 in total19901991: 70 claims, 53 paid, $371,105 in total1993: 17 claims, 12 paid, $28,057 in total1994: 14 claims, 11 paid, $96,529 in total1995: 38 claims, 32 paid, $275,158 in total1998: 196 claims, 149 paid, $2,090,831 in total20002001: 17 claims, 14 paid, $224,458 in total2002: 95 claims, 81 paid, $1,162,007 in total2003: 250 claims, 187 paid, $2,711,477 in total20032004: 26 claims, 21 paid, $399,855 in total2006: 13 claims, 10 paid, $161,917 in total2007: 14 claims, 14 paid, $242,501 in total2008: 88 claims, 59 paid, $663,039 in total20102012: 15 claims, 13 paid, $164,666 in total2015: 12 claims2017: 306 claims, 183 paid, $8,974,124 in total20172019: 70 claims, 58 paid, $2,036,217 in total20202021: 81 claims, 42 paid, $868,187 in total2024: 123 claims, 78 paid, $1,572,013 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412378$1,572,013$20,154
20218142$868,187$20,671
20197058$2,036,217$35,107
2017306183$8,974,124$49,039
201512<10––
20121513$164,666$12,667
20088859$663,039$11,238
20071414$242,501$17,322
20061310$161,917$16,192
20042621$399,855$19,041
2003250187$2,711,477$14,500
20029581$1,162,007$14,346
20011714$224,458$16,033
1998196149$2,090,831$14,032
19953832$275,158$8,599
19941411$96,529$8,775
19931712$28,057$2,338
19917053$371,105$7,002
19891511$24,787$2,253
198717<10––
1984170138$710,681$5,150
19833722$169,461$7,703
19823126$137,842$5,302
198111994$259,015$2,755
19802718$51,663$2,870
1979215173$730,535$4,223

From 2016 to 2026: 580 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 Matagorda County

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

Main NFIP communities in the county

Unincorporated Matagorda County (1,616 home policies) · Bay City (558 home policies) · Palacios (147 home policies)