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Flood insurance cost · Tarrant County, TX

Flood insurance cost in Tarrant County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,789 home policies in force on August 31, 2026.

Tarrant County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$833a year

Half of insured homes paid between $624 and $1,138. That is 23% less than the Texas median ($1,084). The most common flood zone for insured homes here is zone X (46%).

$0$624 · $833 · $1,138$1,422
+3.9% vs Aug 31, 2025 (median $802)
4,789home policies in force
$948average cost (mean)
54%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 Tarrant 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		$940$716–$1,285$1,0802,152 (45%)+5.4%
Zone A
High risk		$813$616–$1,096$955402 (8%)+4.0%
Zone AO
High risk, shallow		$880$666–$1,224$1,03919 (0%)+4.3%
Zone X
Moderate to low risk		$740$557–$1,074$8172,216 (46%)+2.9%

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

Type of buildingPoliciesMedianAverage
Single-family home4,628$838$954
2–4 unit building56$896$974
Manufactured (mobile) home11$812$1,221
Condo or apartment unit94$574$601
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.		215$1,386$2,007
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		557$1,637$2,346
5,561NFIP policies in force, any building
5,670insured units (condo association policies count every unit)
78%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Tarrant 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 force5,0074,789−4.4%
Median annual cost$802$833+3.9%
Average annual cost$889$948+6.6%
All policies in force (any building)5,7895,561−3.9%

How many homes have flood insurance?

0.9%of all homes in Tarrant County have an NFIP policy
227.6%of homes in high-risk zones (special flood hazard area) have one
574,990residential buildings counted by FEMA
1,163of 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 Tarrant County, Texas have filed 3,586 flood claims. 2,664 received a payment, for a total of $61.8 million (an average of $23,185 per paid claim). The year with the most claims was 1989 (433 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 108 claims, 94 paid, $346,892 in total1980: 30 claims, 14 paid, $53,403 in total19801981: 244 claims, 202 paid, $1,524,014 in total1982: 72 claims, 56 paid, $176,284 in total1983: 40 claims, 17 paid, $51,304 in total1984: 13 claims1985: 13 claims1986: 52 claims, 36 paid, $221,587 in total1987: 35 claims, 22 paid, $120,120 in total1989: 433 claims, 337 paid, $6,620,358 in total19891990: 345 claims, 290 paid, $5,869,879 in total199019901991: 137 claims, 108 paid, $1,728,346 in total1992: 38 claims, 29 paid, $329,604 in total1993: 30 claims, 18 paid, $135,669 in total1994: 17 claims1995: 189 claims, 140 paid, $2,318,306 in total1996: 13 claims1997: 19 claims, 11 paid, $77,347 in total1998: 19 claims2000: 96 claims, 80 paid, $1,242,029 in total20002001: 54 claims, 35 paid, $809,713 in total2002: 47 claims, 33 paid, $271,293 in total2003: 13 claims2004: 262 claims, 220 paid, $7,515,274 in total20042006: 81 claims, 64 paid, $1,925,186 in total2007: 207 claims, 172 paid, $3,864,642 in total2008: 36 claims, 29 paid, $747,511 in total2009: 49 claims, 28 paid, $348,500 in total2010: 211 claims, 153 paid, $10,697,003 in total20102012: 18 claims2014: 19 claims, 14 paid, $431,824 in total2015: 157 claims, 99 paid, $2,020,669 in total2016: 36 claims, 21 paid, $400,276 in total2017: 21 claims2018: 142 claims, 115 paid, $4,830,039 in total2019: 38 claims, 28 paid, $947,720 in total2020: 28 claims, 11 paid, $454,411 in total20202021: 15 claims2022: 90 claims, 62 paid, $3,070,878 in total2023: 30 claims, 20 paid, $687,581 in total2024: 32 claims, 20 paid, $654,575 in total2025: 13 claims2026: 13 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 (43)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202613<10––
202513<10––
20243220$654,575$32,729
20233020$687,581$34,379
20229062$3,070,878$49,530
202115<10––
20202811$454,411$41,310
20193828$947,720$33,847
2018142115$4,830,039$42,000
201721<10––
20163621$400,276$19,061
201515799$2,020,669$20,411
20141914$431,824$30,845
201218<10––
2010211153$10,697,003$69,915
20094928$348,500$12,446
20083629$747,511$25,776
2007207172$3,864,642$22,469
20068164$1,925,186$30,081
2004262220$7,515,274$34,160
200313<10––
20024733$271,293$8,221
20015435$809,713$23,135
20009680$1,242,029$15,525
199819<10––
19971911$77,347$7,032
199613<10––
1995189140$2,318,306$16,559
199417<10––
19933018$135,669$7,537
19923829$329,604$11,366
1991137108$1,728,346$16,003
1990345290$5,869,879$20,241
1989433337$6,620,358$19,645
19873522$120,120$5,460
19865236$221,587$6,155
198513<10––
198413<10––
19834017$51,304$3,018
19827256$176,284$3,148
1981244202$1,524,014$7,545
19803014$53,403$3,814
197910894$346,892$3,690

From 2016 to 2026: 458 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

Fort Worth (1,536 home policies) · Arlington (957 home policies) · Unincorporated Tarrant County (292 home policies) · Benbrook (243 home policies) · North Richland Hills (177 home policies) · Colleyville (134 home policies)