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Flood insurance cost · ZIP 78412 · TX

Flood insurance cost in ZIP 78412 (Corpus Christi, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,047 home policies in force on August 31, 2026.

ZIP code 78412 (Corpus Christi, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$866a year

Half of insured homes paid between $614 and $1,192. That is 16% less than the Nueces County median ($1,035). Most insured homes here are rated in zone X (92%).

$0$614 · $866 · $1,192$1,490
+2.1% vs Aug 31, 2025 (median $848)
1,047home policies in force
$896average cost (mean)
8%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 78412

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		$730$584–$1,683$1,23012 (1%)+8.5%
Zone AE
High risk		$631$588–$824$73569 (7%)−0.6%
Zone X
Moderate to low risk		$906$620–$1,205$903966 (92%)+2.6%

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 78412, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home974$924$930
Condo or apartment unit71$427$442
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.		72$1,571$2,005
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		95$1,642$1,838

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

1,214NFIP policies in force, any building
1,501insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 78412

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 force1,1621,047−9.9%
Median annual cost$848$866+2.1%
Average annual cost$837$896+7.0%
All policies in force (any building)1,3301,214−8.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78412 have filed 810 flood claims. 558 received a payment, for a total of $6,558,852 (an average of $11,754 per paid claim). The year with the most claims was 1980 (145 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 105 claims, 65 paid, $162,089 in total19791980: 145 claims, 78 paid, $661,461 in total198019801985: 10 claims19901991: 15 claims, 11 paid, $26,589 in total1992: 18 claims1997: 62 claims, 60 paid, $412,332 in total1998: 45 claims, 37 paid, $240,835 in total20002002: 22 claims, 16 paid, $109,299 in total2004: 73 claims, 68 paid, $998,507 in total2010: 16 claims, 11 paid, $91,002 in total20102015: 34 claims, 24 paid, $125,892 in total2016: 107 claims, 97 paid, $3,155,307 in total20162017: 36 claims, 15 paid, $142,623 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20173615$142,623$9,508
201610797$3,155,307$32,529
20153424$125,892$5,246
20101611$91,002$8,273
20047368$998,507$14,684
20022216$109,299$6,831
19984537$240,835$6,509
19976260$412,332$6,872
199218<10––
19911511$26,589$2,417
198510<10––
198014578$661,461$8,480
197910565$162,089$2,494

From 2016 to 2026: 143 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

Corpus Christi (1,045 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.