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Flood insurance cost · Nueces County, TX

Flood insurance cost in Nueces County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 18,999 home policies in force on August 31, 2026.

Nueces County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,035a year

Half of insured homes paid between $699 and $1,499. That is 5% less than the Texas median ($1,084). Most insured homes here are rated in zone AE (53%).

$0$699 · $1,035 · $1,499$1,874
+7.6% vs Aug 31, 2025 (median $962)
18,999home policies in force
$1,226average cost (mean)
55%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 Nueces 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		$727$572–$1,285$1,019248 (1%)+0.7%
Zone AE
High risk		$1,411$944–$1,923$1,55810,001 (53%)+6.4%
Zone A
High risk		$1,126$771–$1,508$1,32326 (0%)+2.2%
Zone AO
High risk, shallow		$768$687–$916$808172 (1%)±0.0%
Zone AH
High risk, shallow		$686$578–$875$75794 (0%)+7.4%
Zone X
Moderate to low risk		$773$611–$1,079$8528,458 (45%)+0.8%

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

Type of buildingPoliciesMedianAverage
Single-family home16,897$1,082$1,269
2–4 unit building502$942$1,211
Manufactured (mobile) home52$818$985
Condo or apartment unit1,548$668$763
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.		611$3,089$3,976
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,386$2,118$2,714
20,996NFIP policies in force, any building
26,157insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Nueces 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 force20,07518,999−5.4%
Median annual cost$962$1,035+7.6%
Average annual cost$1,149$1,226+6.7%
All policies in force (any building)22,12520,996−5.1%

How many homes have flood insurance?

17.4%of all homes in Nueces County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
113,070residential 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 Nueces County, Texas have filed 8,690 flood claims. 5,527 received a payment, for a total of $186.8 million (an average of $33,805 per paid claim). The year with the most claims was 2017 (3,738 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 35 claims, 26 paid, $70,764 in total1979: 430 claims, 288 paid, $971,498 in total19791980: 1,238 claims, 851 paid, $7,047,240 in total198019801981: 144 claims, 111 paid, $803,404 in total1982: 10 claims1983: 31 claims, 15 paid, $79,801 in total1984: 28 claims, 15 paid, $70,716 in total1985: 79 claims, 45 paid, $311,143 in total1986: 12 claims1987: 20 claims, 11 paid, $20,961 in total1988: 36 claims, 16 paid, $91,607 in total19901991: 59 claims, 49 paid, $324,672 in total1992: 75 claims, 44 paid, $223,717 in total1993: 27 claims, 14 paid, $57,819 in total1994: 15 claims, 10 paid, $62,288 in total1995: 31 claims, 21 paid, $125,951 in total1996: 18 claims, 13 paid, $163,849 in total1997: 217 claims, 179 paid, $1,781,124 in total1998: 140 claims, 96 paid, $686,787 in total1999: 188 claims, 77 paid, $582,235 in total2000: 46 claims, 33 paid, $401,751 in total20002001: 66 claims, 35 paid, $304,662 in total2002: 391 claims, 279 paid, $4,568,400 in total2003: 32 claims, 20 paid, $122,610 in total2004: 190 claims, 162 paid, $2,199,406 in total2005: 17 claims2006: 56 claims, 41 paid, $1,205,838 in total2007: 121 claims, 64 paid, $748,118 in total2008: 65 claims, 17 paid, $409,736 in total2009: 17 claims2010: 209 claims, 146 paid, $3,335,796 in total20102011: 10 claims2012: 23 claims2013: 14 claims2014: 16 claims, 10 paid, $124,066 in total2015: 234 claims, 154 paid, $1,724,467 in total2016: 234 claims, 177 paid, $5,876,239 in total2017: 3,738 claims, 2,254 paid, $145,737,353 in total20172018: 74 claims, 47 paid, $1,321,226 in total2019: 32 claims, 18 paid, $423,795 in total2020: 61 claims, 30 paid, $1,398,985 in total20202021: 110 claims, 68 paid, $1,649,667 in total2022: 11 claims2023: 11 claims2024: 49 claims, 27 paid, $818,527 in total2026: 19 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 (46)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202619<10––
20244927$818,527$30,316
202311<10––
202211<10––
202111068$1,649,667$24,260
20206130$1,398,985$46,633
20193218$423,795$23,544
20187447$1,321,226$28,111
20173,7382,254$145,737,353$64,657
2016234177$5,876,239$33,199
2015234154$1,724,467$11,198
20141610$124,066$12,407
201314<10––
201223<10––
201110<10––
2010209146$3,335,796$22,848
200917<10––
20086517$409,736$24,102
200712164$748,118$11,689
20065641$1,205,838$29,411
200517<10––
2004190162$2,199,406$13,577
20033220$122,610$6,130
2002391279$4,568,400$16,374
20016635$304,662$8,705
20004633$401,751$12,174
199918877$582,235$7,561
199814096$686,787$7,154
1997217179$1,781,124$9,950
19961813$163,849$12,604
19953121$125,951$5,998
19941510$62,288$6,229
19932714$57,819$4,130
19927544$223,717$5,084
19915949$324,672$6,626
19883616$91,607$5,725
19872011$20,961$1,906
198612<10––
19857945$311,143$6,914
19842815$70,716$4,714
19833115$79,801$5,320
198210<10––
1981144111$803,404$7,238
19801,238851$7,047,240$8,281
1979430288$971,498$3,373
19783526$70,764$2,722

From 2016 to 2026: 4,339 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 Nueces County

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

Main NFIP communities in the county

Corpus Christi (13,849 home policies) · Port Aransas (3,157 home policies) · Unincorporated Nueces County (1,430 home policies) · Robstown (440 home policies) · Agua Dulce (53 home policies) · Bishop (43 home policies)