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Flood insurance cost · ZIP 78362 · TX

Flood insurance cost in ZIP 78362 (Ingleside, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 438 home policies in force on August 31, 2026.

ZIP code 78362 (Ingleside, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$897a year

Half of insured homes paid between $683 and $1,302. That is 3% more than the San Patricio County median ($870). Most insured homes here are rated in zone X (53%).

$0$683 · $897 · $1,302$1,628
+4.5% vs Aug 31, 2025 (median $858)
438home policies in force
$1,205average cost (mean)
47%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 78362

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		$3,478$2,765–$4,154$3,50526 (6%)+10.3%
Zone AE
High risk		$1,111$874–$1,505$1,401182 (42%)+5.2%
Zone X
Moderate to low risk		$721$581–$916$790230 (53%)+1.8%

Not shown (fewer than 10 home policies): 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 78362, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home396$866$1,213
2–4 unit building40$1,056$1,134
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.		27$3,249$2,745
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		52$2,720$2,797

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

517NFIP policies in force, any building
517insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 78362

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 force466438−6.0%
Median annual cost$858$897+4.5%
Average annual cost$1,103$1,205+9.2%
All policies in force (any building)549517−5.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78362 have filed 472 flood claims. 357 received a payment, for a total of $4,086,987 (an average of $11,448 per paid claim). The years with the most claims were 1980 and 2017 (82 claims each). Amounts are in dollars of the time, not adjusted for inflation.

02550751001979: 50 claims, 47 paid, $213,576 in total1980: 82 claims, 73 paid, $520,607 in total198019801981: 53 claims, 52 paid, $258,266 in total19811985: 30 claims, 23 paid, $118,742 in total19901998: 23 claims, 20 paid, $154,880 in total20002002: 15 claims, 12 paid, $104,098 in total2008: 11 claims2010: 10 claims20102016: 30 claims, 27 paid, $673,195 in total2017: 82 claims, 28 paid, $1,086,920 in total20172020: 12 claims, 10 paid, $108,639 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201210$108,639$10,864
20178228$1,086,920$38,819
20163027$673,195$24,933
201010<10––
200811<10––
20021512$104,098$8,675
19982320$154,880$7,744
19853023$118,742$5,163
19815352$258,266$4,967
19808273$520,607$7,132
19795047$213,576$4,544

From 2016 to 2026: 124 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

Ingleside (345 home policies) · Ingleside On the Bay (75 home policies) · Unincorporated San Patricio County (18 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.