Menu

Flood insurance cost · ZIP 78382 · TX

Flood insurance cost in ZIP 78382 (Rockport, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,380 home policies in force on August 31, 2026.

ZIP code 78382 (Rockport, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,337a year

Half of insured homes paid between $1,086 and $1,702. That is about the same as the Aransas County median ($1,336). Most insured homes here are rated in zone X (51%).

$0$1,086 · $1,337 · $1,702$2,128
+15.8% vs Aug 31, 2025 (median $1,155)
3,380home policies in force
$1,579average cost (mean)
49%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 78382

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		$2,368$1,702–$2,845$2,47854 (2%)+27.9%
Zone AE
High risk		$1,640$1,307–$1,971$1,9271,606 (48%)+15.0%
Zone X
Moderate to low risk		$1,202$980–$1,339$1,2261,718 (51%)+11.9%

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 78382, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,054$1,367$1,634
2–4 unit building22$1,304$1,502
Manufactured (mobile) home47$1,022$1,262
Condo or apartment unit257$846$986
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.		127$3,426$4,334
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		265$2,650$3,540
3,772NFIP policies in force, any building
4,412insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 78382

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 force3,7053,380−8.8%
Median annual cost$1,155$1,337+15.8%
Average annual cost$1,393$1,579+13.4%
All policies in force (any building)4,1043,772−8.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78382 have filed 3,634 flood claims. 1,845 received a payment, for a total of $59.0 million (an average of $32,005 per paid claim). The year with the most claims was 2017 (2,320 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 77 claims, 50 paid, $134,106 in total1980: 413 claims, 312 paid, $1,546,159 in total198019801983: 14 claims1988: 32 claims, 18 paid, $56,762 in total19901991: 26 claims, 13 paid, $55,566 in total1992: 22 claims, 13 paid, $77,372 in total1997: 20 claims, 11 paid, $52,904 in total1998: 71 claims, 41 paid, $345,456 in total1999: 20 claims2000: 11 claims20002002: 25 claims, 12 paid, $127,223 in total2003: 14 claims2004: 43 claims, 31 paid, $369,192 in total2006: 42 claims, 36 paid, $632,134 in total2007: 12 claims2008: 57 claims, 30 paid, $454,399 in total2009: 29 claims, 17 paid, $358,306 in total2010: 28 claims, 14 paid, $114,598 in total20102015: 40 claims, 29 paid, $299,401 in total2016: 28 claims, 13 paid, $336,078 in total2017: 2,320 claims, 969 paid, $47,207,443 in total20172018: 27 claims, 17 paid, $272,523 in total2020: 15 claims20202021: 138 claims, 113 paid, $5,489,421 in total20212024: 45 claims, 33 paid, $647,890 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244533$647,890$19,633
2021138113$5,489,421$48,579
202015<10––
20182717$272,523$16,031
20172,320969$47,207,443$48,718
20162813$336,078$25,852
20154029$299,401$10,324
20102814$114,598$8,186
20092917$358,306$21,077
20085730$454,399$15,147
200712<10––
20064236$632,134$17,559
20044331$369,192$11,909
200314<10––
20022512$127,223$10,602
200011<10––
199920<10––
19987141$345,456$8,426
19972011$52,904$4,809
19922213$77,372$5,952
19912613$55,566$4,274
19883218$56,762$3,153
198314<10––
1980413312$1,546,159$4,956
19797750$134,106$2,682

From 2016 to 2026: 2,573 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

Rockport (1,753 home policies) · Unincorporated Aransas County (1,586 home policies) · Fulton (41 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.