Flood insurance cost · ZIP 78132 · TX

Flood insurance cost in ZIP 78132 (unincorporated Comal County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 341 home policies in force on August 31, 2026.

ZIP code 78132 (unincorporated Comal County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,145a year

Half of insured homes paid between $779 and $1,462. That is 10% less than the Comal County median ($1,266). Most insured homes here are rated in zone X (65%).

$0$779 · $1,145 · $1,462$1,828

+10.8% vs Aug 31, 2025 (median $1,033)

341home policies in force

$1,327average cost (mean)

35%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 ZIP code 78132

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,482	$1,208–$1,950	$1,912	111 (33%)	+7.5%
Zone X Moderate to low risk	$1,034	$650–$1,266	$1,033	223 (65%)	+11.3%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 78132, by what they insure.

Type of building	Policies	Median	Average
Single-family home	334	$1,140	$1,323
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	28	$1,002	$1,334

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

374NFIP policies in force, any building

406insured units (condo association policies count every unit)

89%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 78132

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, 2025	Aug 31, 2026	Change
Home policies in force	367	341	−7.1%
Median annual cost	$1,033	$1,145	+10.8%
Average annual cost	$1,193	$1,327	+11.2%
All policies in force (any building)	403	374	−7.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78132 have filed 248 flood claims. 215 received a payment, for a total of $11.2 million (an average of $52,309 per paid claim). The year with the most claims was 2002 (106 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (5)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2015	32	28	$1,111,906	$39,711
2013	13	<10	–	–
2010	36	32	$1,481,783	$46,306
2002	106	95	$5,601,750	$58,966
1998	45	40	$2,572,673	$64,317

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Unincorporated Comal County (178 home policies) · New Braunfels (154 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.