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Flood insurance cost · San Patricio County, TX

Flood insurance cost in San Patricio County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,126 home policies in force on August 31, 2026.

San Patricio County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$870a year

Half of insured homes paid between $648 and $1,217. That is 20% less than the Texas median ($1,084). Most insured homes here are rated in zone X (57%).

$0$648 · $870 · $1,217$1,521
+5.3% vs Aug 31, 2025 (median $826)
2,126home policies in force
$1,020average cost (mean)
43%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 San Patricio 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		$3,118$2,119–$4,006$3,23729 (1%)+13.5%
Zone AE
High risk		$1,068$831–$1,429$1,229812 (38%)+4.0%
Zone A
High risk		$1,080$808–$1,300$1,12332 (2%)+0.1%
Zone AH
High risk, shallow		$665$555–$764$67244 (2%)+3.1%
Zone X
Moderate to low risk		$718$581–$1,036$8291,202 (57%)+1.3%

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

Type of buildingPoliciesMedianAverage
Single-family home2,004$842$1,015
2–4 unit building83$1,116$1,106
Manufactured (mobile) home35$1,042$1,170
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.		51$1,535$2,120
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		228$2,035$2,545

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

2,405NFIP policies in force, any building
2,405insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: San Patricio 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 force2,2622,126−6.0%
Median annual cost$826$870+5.3%
Average annual cost$947$1,020+7.7%
All policies in force (any building)2,5542,405−5.8%

How many homes have flood insurance?

9.0%of all homes in San Patricio County have an NFIP policy
31.9%of homes in high-risk zones (special flood hazard area) have one
24,263residential buildings counted by FEMA
2,951of 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 San Patricio County, Texas have filed 2,012 flood claims. 1,465 received a payment, for a total of $20.0 million (an average of $13,660 per paid claim). The year with the most claims was 2017 (333 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 139 claims, 120 paid, $577,319 in total1980: 225 claims, 158 paid, $926,037 in total19801981: 109 claims, 99 paid, $519,207 in total1983: 36 claims, 18 paid, $74,815 in total1984: 250 claims, 225 paid, $2,334,844 in total19841985: 231 claims, 189 paid, $1,110,472 in total198519901991: 22 claims, 18 paid, $183,493 in total1992: 21 claims, 18 paid, $186,358 in total1993: 14 claims, 12 paid, $100,379 in total1995: 19 claims, 16 paid, $345,520 in total1997: 18 claims, 14 paid, $104,167 in total1998: 34 claims, 29 paid, $215,577 in total1999: 22 claims, 12 paid, $211,459 in total2000: 13 claims, 13 paid, $243,301 in total20002001: 14 claims, 10 paid, $203,254 in total2002: 104 claims, 86 paid, $1,342,889 in total2004: 23 claims, 14 paid, $100,502 in total2006: 16 claims, 12 paid, $350,008 in total2007: 17 claims, 10 paid, $41,088 in total2008: 11 claims2010: 51 claims, 39 paid, $671,804 in total20102012: 62 claims, 49 paid, $1,104,072 in total2015: 29 claims, 19 paid, $240,852 in total2016: 80 claims, 70 paid, $2,074,386 in total2017: 333 claims, 130 paid, $5,180,016 in total20172018: 19 claims, 12 paid, $318,021 in total2020: 17 claims, 12 paid, $178,934 in total20202021: 25 claims, 13 paid, $191,125 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20212513$191,125$14,702
20201712$178,934$14,911
20181912$318,021$26,502
2017333130$5,180,016$39,846
20168070$2,074,386$29,634
20152919$240,852$12,676
20126249$1,104,072$22,532
20105139$671,804$17,226
200811<10––
20071710$41,088$4,109
20061612$350,008$29,167
20042314$100,502$7,179
200210486$1,342,889$15,615
20011410$203,254$20,325
20001313$243,301$18,715
19992212$211,459$17,622
19983429$215,577$7,434
19971814$104,167$7,440
19951916$345,520$21,595
19931412$100,379$8,365
19922118$186,358$10,353
19912218$183,493$10,194
1985231189$1,110,472$5,876
1984250225$2,334,844$10,377
19833618$74,815$4,156
198110999$519,207$5,245
1980225158$926,037$5,861
1979139120$577,319$4,811

From 2016 to 2026: 474 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 San Patricio County

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

Main NFIP communities in the county

Portland (497 home policies) · Aransas Pass (463 home policies) · Unincorporated San Patricio County (369 home policies) · Ingleside (345 home policies) · Sinton (206 home policies) · Ingleside On the Bay (74 home policies)