Flood insurance cost · ZIP 78657 · TX

Flood insurance cost in ZIP 78657 (Horseshoe Bay, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 424 home policies in force on August 31, 2026.

ZIP code 78657 (Horseshoe Bay, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,310a year

Half of insured homes paid between $1,076 and $1,658. That is 12% less than the Llano County median ($1,496). Most insured homes here are rated in zone AE (64%).

$0$1,076 · $1,310 · $1,658$2,072

+8.9% vs Aug 31, 2025 (median $1,203)

424home policies in force

$1,489average cost (mean)

69%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 78657

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	$1,321	$1,029–$1,724	$1,487	273 (64%)	+7.0%
Zone A High risk	$2,264	$1,432–$3,181	$2,593	19 (4%)	+24.2%
Zone X Moderate to low risk	$1,267	$1,083–$1,492	$1,335	132 (31%)	+10.8%

Not shown (fewer than 10 home policies): VE, 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 78657, by what they insure.

Type of building	Policies	Median	Average
Single-family home	383	$1,370	$1,553
Condo or apartment unit	35	$815	$796

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

432NFIP policies in force, any building

461insured units (condo association policies count every unit)

83%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 78657

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	431	424	−1.6%
Median annual cost	$1,203	$1,310	+8.9%
Average annual cost	$1,362	$1,489	+9.3%
All policies in force (any building)	439	432	−1.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78657 have filed 209 flood claims. 144 received a payment, for a total of $5,506,274 (an average of $38,238 per paid claim). The year with the most claims was 2018 (143 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 (3)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2018	143	107	$4,778,684	$44,661
2007	19	12	$224,629	$18,719
2001	12	<10	–	–

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

Horseshoe Bay (315 home policies) · Unincorporated Llano County (83 home policies) · Cottonwood Shores (16 home policies) · Unincorporated Burnet County (10 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.