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Flood insurance cost · Taylor County, TX

Flood insurance cost in Taylor County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,833 home policies in force on August 31, 2026.

Taylor County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$749a year

Half of insured homes paid between $571 and $1,002. That is 31% less than the Texas median ($1,084). Most insured homes here are rated in zone AE (75%).

$0$571 · $749 · $1,002$1,252
+3.5% vs Aug 31, 2025 (median $724)
1,833home policies in force
$843average cost (mean)
90%of insured homes in high-risk zones (A, V)
$175,000median 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 Taylor 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		$716$561–$937$7941,367 (75%)+2.6%
Zone A
High risk		$798$606–$1,167$943122 (7%)+1.5%
Zone AO
High risk, shallow		$1,143$727–$1,586$1,166162 (9%)+9.3%
Zone X
Moderate to low risk		$852$626–$1,081$855182 (10%)+6.2%

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 Taylor County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,746$738$833
2–4 unit building72$940$1,061
Manufactured (mobile) home13$899$1,057
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.		87$2,078$2,542
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		170$1,534$2,109

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

2,090NFIP policies in force, any building
2,090insured units (condo association policies count every unit)
41%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: Taylor 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 force1,8261,833+0.4%
Median annual cost$724$749+3.5%
Average annual cost$808$843+4.3%
All policies in force (any building)2,0952,090−0.2%

How many homes have flood insurance?

3.8%of all homes in Taylor County have an NFIP policy
20.3%of homes in high-risk zones (special flood hazard area) have one
50,228residential buildings counted by FEMA
8,566of 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 Taylor County, Texas have filed 936 flood claims. 724 received a payment, for a total of $15.6 million (an average of $21,594 per paid claim). The year with the most claims was 2002 (403 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 12 claims, 10 paid, $10,838 in total19801981: 88 claims, 75 paid, $846,309 in total19811990: 49 claims, 27 paid, $192,846 in total19901991: 17 claims, 10 paid, $161,291 in total1994: 88 claims, 74 paid, $839,650 in total19941995: 26 claims, 20 paid, $167,213 in total1996: 24 claims, 21 paid, $113,163 in total2000: 39 claims, 27 paid, $132,378 in total20002002: 403 claims, 354 paid, $11,609,054 in total20022007: 37 claims, 24 paid, $231,376 in total20102015: 33 claims, 25 paid, $583,104 in total2016: 17 claims, 11 paid, $106,647 in total2020
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20161711$106,647$9,695
20153325$583,104$23,324
20073724$231,376$9,641
2002403354$11,609,054$32,794
20003927$132,378$4,903
19962421$113,163$5,389
19952620$167,213$8,361
19948874$839,650$11,347
19911710$161,291$16,129
19904927$192,846$7,142
19818875$846,309$11,284
19781210$10,838$1,084

From 2016 to 2026: 17 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 Taylor County

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

Main NFIP communities in the county

Abilene (1,676 home policies) · Unincorporated Taylor County (134 home policies) · Trent (10 home policies)