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Flood insurance cost · Orange County, TX

Flood insurance cost in Orange County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,990 home policies in force on August 31, 2026.

Orange County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,230a year

Half of insured homes paid between $1,066 and $1,308. That is 13% more than the Texas median ($1,084). Most insured homes here are rated in zone X (58%).

$0$1,066 · $1,230 · $1,308$1,635
+15.6% vs Aug 31, 2025 (median $1,064)
10,990home policies in force
$1,398average cost (mean)
42%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 Orange 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		$1,366$1,123–$2,283$1,8533,337 (30%)+13.8%
Zone A
High risk		$1,079$878–$1,266$1,1311,231 (11%)+12.2%
Zone X
Moderate to low risk		$1,191$1,066–$1,266$1,2136,420 (58%)+13.3%

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 Orange County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home10,188$1,233$1,417
2–4 unit building159$1,308$1,380
Manufactured (mobile) home609$1,016$1,141
Condo or apartment unit34$372$451
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.		99$1,471$2,159
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		732$3,799$4,609
11,821NFIP policies in force, any building
11,826insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Orange 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 force11,63810,990−5.6%
Median annual cost$1,064$1,230+15.6%
Average annual cost$1,238$1,398+12.9%
All policies in force (any building)12,50511,821−5.5%

How many homes have flood insurance?

29.8%of all homes in Orange County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
37,136residential 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 Orange County, Texas have filed 12,880 flood claims. 11,092 received a payment, for a total of $1.0 billion (an average of $94,081 per paid claim). The year with the most claims was 2017 (4,396 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 177 claims, 144 paid, $695,146 in total1980: 178 claims, 148 paid, $524,344 in total19801982: 121 claims, 99 paid, $622,232 in total1983: 32 claims, 20 paid, $75,727 in total1986: 17 claims, 11 paid, $21,917 in total1987: 11 claims1989: 152 claims, 119 paid, $1,071,242 in total19901991: 59 claims, 47 paid, $291,025 in total1992: 19 claims, 15 paid, $142,369 in total1993: 12 claims1994: 122 claims, 103 paid, $1,177,228 in total1995: 26 claims, 19 paid, $160,110 in total1996: 42 claims, 39 paid, $494,280 in total1998: 86 claims, 70 paid, $720,041 in total20002001: 79 claims, 57 paid, $647,756 in total2002: 322 claims, 281 paid, $4,931,822 in total2003: 50 claims, 41 paid, $491,044 in total2005: 643 claims, 235 paid, $6,998,944 in total2006: 146 claims, 129 paid, $3,024,198 in total2007: 43 claims, 40 paid, $468,114 in total2008: 3,416 claims, 3,180 paid, $353,351,481 in total20082009: 10 claims20102012: 56 claims, 46 paid, $1,045,821 in total2014: 36 claims, 27 paid, $586,225 in total2015: 17 claims, 10 paid, $123,548 in total2016: 166 claims, 127 paid, $6,780,555 in total2017: 4,396 claims, 3,857 paid, $466,131,721 in total20172018: 29 claims, 20 paid, $426,010 in total2019: 2,167 claims, 2,057 paid, $189,143,126 in total20192020: 89 claims, 26 paid, $664,832 in total20202021: 19 claims2022: 10 claims2023: 10 claims2024: 31 claims, 27 paid, $1,153,696 in total2026: 23 claims, 21 paid, $935,512 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 (35)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262321$935,512$44,548
20243127$1,153,696$42,729
202310<10––
202210<10––
202119<10––
20208926$664,832$25,570
20192,1672,057$189,143,126$91,951
20182920$426,010$21,300
20174,3963,857$466,131,721$120,853
2016166127$6,780,555$53,390
20151710$123,548$12,355
20143627$586,225$21,712
20125646$1,045,821$22,735
200910<10––
20083,4163,180$353,351,481$111,117
20074340$468,114$11,703
2006146129$3,024,198$23,443
2005643235$6,998,944$29,783
20035041$491,044$11,977
2002322281$4,931,822$17,551
20017957$647,756$11,364
19988670$720,041$10,286
19964239$494,280$12,674
19952619$160,110$8,427
1994122103$1,177,228$11,429
199312<10––
19921915$142,369$9,491
19915947$291,025$6,192
1989152119$1,071,242$9,002
198711<10––
19861711$21,917$1,992
19833220$75,727$3,786
198212199$622,232$6,285
1980178148$524,344$3,543
1979177144$695,146$4,827

From 2016 to 2026: 6,940 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 Orange County

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

Main NFIP communities in the county

Unincorporated Orange County (5,824 home policies) · Bridge City (1,991 home policies) · Orange (1,497 home policies) · Vidor (978 home policies) · West Orange (346 home policies) · Pinehurst (218 home policies)