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Flood insurance cost · Victoria County, TX

Flood insurance cost in Victoria County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 929 home policies in force on August 31, 2026.

Victoria County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$657a year

Half of insured homes paid between $558 and $1,010. That is 39% less than the Texas median ($1,084). Most insured homes here are rated in zone X (72%).

$0$558 · $657 · $1,010$1,262
+2.7% vs Aug 31, 2025 (median $640)
929home policies in force
$800average cost (mean)
28%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.

Disaster declarations: No FEMA declaration · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Victoria County.

Cost by flood zone in Victoria 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		$687$588–$1,100$900219 (24%)+1.0%
Zone A
High risk		$808$667–$1,080$87345 (5%)+9.3%
Zone X
Moderate to low risk		$631$550–$962$762665 (72%)+1.1%

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 Victoria County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home853$664$805
2–4 unit building51$599$685
Manufactured (mobile) home24$805$878
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		86$1,506$2,185

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

1,018NFIP policies in force, any building
1,018insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Victoria 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 force1,000929−7.1%
Median annual cost$640$657+2.7%
Average annual cost$763$800+4.8%
All policies in force (any building)1,1011,018−7.5%

How many homes have flood insurance?

2.8%of all homes in Victoria County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
33,465residential 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 Victoria County, Texas have filed 745 flood claims. 578 received a payment, for a total of $11.3 million (an average of $19,481 per paid claim). The year with the most claims was 2017 (113 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 26 claims, 25 paid, $61,551 in total1979: 12 claims, 10 paid, $18,048 in total1980: 12 claims19801981: 43 claims, 31 paid, $263,929 in total1985: 17 claims, 10 paid, $26,210 in total1987: 22 claims, 20 paid, $120,269 in total19901991: 80 claims, 70 paid, $832,845 in total19911992: 11 claims1994: 24 claims, 21 paid, $762,937 in total1997: 45 claims, 44 paid, $589,076 in total1998: 94 claims, 82 paid, $2,531,525 in total199820002002: 18 claims, 18 paid, $295,892 in total2003: 14 claims2004: 63 claims, 57 paid, $1,282,628 in total2007: 22 claims, 20 paid, $1,225,572 in total2010: 41 claims, 36 paid, $484,949 in total20102017: 113 claims, 61 paid, $1,988,209 in total201720202021: 13 claims, 11 paid, $170,999 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20211311$170,999$15,545
201711361$1,988,209$32,594
20104136$484,949$13,471
20072220$1,225,572$61,279
20046357$1,282,628$22,502
200314<10––
20021818$295,892$16,438
19989482$2,531,525$30,872
19974544$589,076$13,388
19942421$762,937$36,330
199211<10––
19918070$832,845$11,898
19872220$120,269$6,013
19851710$26,210$2,621
19814331$263,929$8,514
198012<10––
19791210$18,048$1,805
19782625$61,551$2,462

From 2016 to 2026: 126 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 Victoria County

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

Main NFIP communities in the county

Victoria (634 home policies) · Unincorporated Victoria County (294 home policies)