Flood insurance cost · ZIP 78666 · TX

Flood insurance cost in ZIP 78666 (San Marcos, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 575 home policies in force on August 31, 2026.

ZIP code 78666 (San Marcos, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,056a year

Half of insured homes paid between $824 and $1,269. That is 3% less than the Hays County median ($1,086). The most common flood zone for insured homes here is zone AE (37%).

$0$824 · $1,056 · $1,269$1,586

+11.4% vs Aug 31, 2025 (median $948)

575home policies in force

$1,134average cost (mean)

66%of insured homes in high-risk zones (A, V)

$244,000median 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 78666

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	$1,182	$963–$1,634	$1,363	210 (37%)	+0.9%
Zone A High risk	$1,065	$887–$1,124	$999	20 (3%)	+7.9%
Zone AO High risk, shallow	$1,055	$858–$1,279	$1,091	99 (17%)	+39.0%
Zone AH High risk, shallow	$1,056	$942–$1,331	$1,124	52 (9%)	+7.6%
Zone X Moderate to low risk	$917	$709–$1,101	$924	194 (34%)	+0.5%

Not shown (fewer than 10 home policies): VE, 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 78666, by what they insure.

Type of building	Policies	Median	Average
Single-family home	478	$1,056	$1,151
2–4 unit building	39	$1,154	$1,261
Manufactured (mobile) home	47	$1,042	$980
Condo or apartment unit	11	$621	$593
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.	75	$2,505	$3,238
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	90	$1,682	$2,471

740NFIP policies in force, any building

745insured units (condo association policies count every unit)

71%of home policies also cover contents

$93,000median contents coverage, when bought

One year on: ZIP code 78666

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	674	575	−14.7%
Median annual cost	$948	$1,056	+11.4%
Average annual cost	$1,052	$1,134	+7.8%
All policies in force (any building)	874	740	−15.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78666 have filed 816 flood claims. 710 received a payment, for a total of $29.6 million (an average of $41,757 per paid claim). The year with the most claims was 2015 (463 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 (7)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	23	17	$657,784	$38,693
2015	463	433	$24,789,338	$57,250
2013	15	12	$603,898	$50,325
2001	36	28	$377,627	$13,487
1998	142	118	$2,040,423	$17,292
1985	27	18	$146,577	$8,143
1981	73	60	$790,912	$13,182

From 2016 to 2026: 23 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

San Marcos (435 home policies) · Unincorporated Hays County (98 home policies) · Unincorporated Caldwell County (40 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.