Menu

Flood insurance cost · ZIP 78336 · TX

Flood insurance cost in ZIP 78336 (Aransas Pass, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 703 home policies in force on August 31, 2026.

ZIP code 78336 (Aransas Pass, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,048 and $1,581. That is 46% more than the San Patricio County median ($870). Most insured homes here are rated in zone AE (51%).

$0$1,048 · $1,266 · $1,581$1,976
+16.8% vs Aug 31, 2025 (median $1,084)
703home policies in force
$1,465average cost (mean)
55%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 78336

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 VE / V
High risk, coastal		$1,954$1,529–$2,712$2,43510 (1%)+14.8%
Zone AE
High risk		$1,430$1,183–$1,823$1,669362 (51%)+12.5%
Zone AO
High risk, shallow		$1,732$1,450–$2,660$2,13414 (2%)+14.6%
Zone X
Moderate to low risk		$1,086$903–$1,269$1,172317 (45%)+9.3%

Not shown (fewer than 10 home policies): A, 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 78336, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home684$1,267$1,480
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.		15$1,811$2,207
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		72$2,982$3,124

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

790NFIP policies in force, any building
800insured units (condo association policies count every unit)
94%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 78336

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 force771703−8.8%
Median annual cost$1,084$1,266+16.8%
Average annual cost$1,304$1,465+12.3%
All policies in force (any building)865790−8.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78336 have filed 816 flood claims. 526 received a payment, for a total of $11.6 million (an average of $21,986 per paid claim). The year with the most claims was 2017 (287 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 78 claims, 63 paid, $294,486 in total19791980: 98 claims, 69 paid, $374,382 in total198019801981: 37 claims, 28 paid, $151,388 in total1983: 30 claims, 17 paid, $78,230 in total1985: 24 claims, 23 paid, $110,606 in total19901995: 15 claims, 12 paid, $335,792 in total1999: 16 claims2000: 10 claims, 10 paid, $241,163 in total20002002: 38 claims, 32 paid, $580,999 in total2006: 14 claims, 12 paid, $515,608 in total2010: 18 claims, 16 paid, $254,072 in total20102015: 13 claims2016: 50 claims, 44 paid, $1,638,836 in total2017: 287 claims, 130 paid, $5,783,252 in total20172018: 12 claims20202021: 16 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202116<10––
201812<10––
2017287130$5,783,252$44,487
20165044$1,638,836$37,246
201513<10––
20101816$254,072$15,880
20061412$515,608$42,967
20023832$580,999$18,156
20001010$241,163$24,116
199916<10––
19951512$335,792$27,983
19852423$110,606$4,809
19833017$78,230$4,602
19813728$151,388$5,407
19809869$374,382$5,426
19797863$294,486$4,674

From 2016 to 2026: 365 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.

NFIP communities in this ZIP code

Aransas Pass (486 home policies) · Unincorporated Aransas County (158 home policies) · Unincorporated San Patricio County (58 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.