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Flood insurance cost · Wichita County, TX

Flood insurance cost in Wichita County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 597 home policies in force on August 31, 2026.

Wichita County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$866a year

Half of insured homes paid between $654 and $1,175. That is 20% less than the Texas median ($1,084). Most insured homes here are rated in zone AE (59%).

$0$654 · $866 · $1,175$1,469
+5.4% vs Aug 31, 2025 (median $822)
597home policies in force
$1,004average cost (mean)
69%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 Wichita 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		$883$687–$1,285$1,102353 (59%)+3.9%
Zone A
High risk		$976$776–$1,126$96723 (4%)+4.3%
Zone AO
High risk, shallow		$800$671–$1,026$85135 (6%)−0.2%
Zone X
Moderate to low risk		$786$575–$1,087$851186 (31%)+2.1%

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 Wichita County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home579$868$1,012
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.		12$1,932$1,946
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		66$1,564$2,469

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

675NFIP policies in force, any building
686insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Wichita 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 force608597−1.8%
Median annual cost$822$866+5.4%
Average annual cost$942$1,004+6.6%
All policies in force (any building)684675−1.3%

How many homes have flood insurance?

1.3%of all homes in Wichita County have an NFIP policy
18.5%of homes in high-risk zones (special flood hazard area) have one
47,450residential buildings counted by FEMA
2,249of 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 Wichita County, Texas have filed 1,302 flood claims. 1,046 received a payment, for a total of $19.9 million (an average of $19,066 per paid claim). The year with the most claims was 1982 (191 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 16 claims, 14 paid, $78,854 in total1980: 23 claims, 21 paid, $59,385 in total19801982: 191 claims, 182 paid, $5,848,029 in total19821984: 42 claims, 30 paid, $159,911 in total1985: 176 claims, 141 paid, $878,362 in total19851986: 173 claims, 120 paid, $913,147 in total19861987: 135 claims, 106 paid, $578,716 in total1989: 84 claims, 71 paid, $463,891 in total1990: 35 claims, 25 paid, $126,485 in total19901993: 15 claims, 15 paid, $49,133 in total1997: 105 claims, 92 paid, $1,476,890 in total20002007: 96 claims, 78 paid, $4,053,422 in total2008: 52 claims, 46 paid, $1,703,074 in total20102015: 52 claims, 37 paid, $1,516,420 in total2016: 29 claims, 26 paid, $1,183,832 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20162926$1,183,832$45,532
20155237$1,516,420$40,984
20085246$1,703,074$37,023
20079678$4,053,422$51,967
199710592$1,476,890$16,053
19931515$49,133$3,276
19903525$126,485$5,059
19898471$463,891$6,534
1987135106$578,716$5,460
1986173120$913,147$7,610
1985176141$878,362$6,230
19844230$159,911$5,330
1982191182$5,848,029$32,132
19802321$59,385$2,828
19791614$78,854$5,632

From 2016 to 2026: 29 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

Wichita Falls (443 home policies) · Unincorporated Wichita County (110 home policies) · Pleasant Valley (16 home policies) · Iowa Park (15 home policies) · Burkburnett (11 home policies)