Texas
flood insurance data

NFIP premiums in Texas

NFIP premiums: what NFIP policyholders paid, not a quote. Across 528,554 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,056, and half of them fall between $802 (Q1) and $1,126 (Q3).

With 528,554 residential NFIP policies effective 2025, Texas has the 2nd most of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Texas is $1,205, 17.2% higher than outside it ($1,028); most of its zoned policies sit outside it (67.5%).

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 528,554 policies.

NFIP paid building claims in Texas

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 118,457 paid claims; median $55,338, half of them between $19,788 (Q1) and $103,050 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $70,210, a monetary adjustment, not today’s cost of repair.

With 118,457 paid claims (year of loss 2015-2024), Texas has the 2nd most of 53 States and territories. 2017 alone holds 63.9% of the paid claims (year of loss 2015-2024).

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 38 flood, hurricane and severe-storm declarations (DR and EM) covering Texas, 29 of them major disaster declarations.

Texas counts 38 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 14th most of 53 States and territories. Hurricane declarations are the most frequent (16), ahead of Flood (13) and Severe Storm (9).

Latest declarations

• DR-4935: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Flood, 2026-09-01)
• EM-3649: FLOODING (Flood, 2026-07-18)
• DR-4879: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING (Flood, 2025-07-06)
• DR-4871: SEVERE STORMS AND FLOODING (Flood, 2025-05-21)
• DR-4798: HURRICANE BERYL (Hurricane, 2024-07-09)

FEMA assistance to homeowners

Since 2002: 1,028,880 owner registrations inspected by FEMA in Texas after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4332, HURRICANE HARVEY (declared 2017-08-25): 299,817 inspections
• DR-1791, HURRICANE IKE (declared 2008-09-13): 192,506 inspections
• DR-1606, HURRICANE RITA (declared 2005-09-24): 172,009 inspections
• DR-4798, HURRICANE BERYL (declared 2024-07-09): 87,559 inspections
• DR-4781, SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (declared 2024-05-17): 59,428 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 1,399 NFIP communities in Texas: 1,262 participate in the NFIP and 81 (5.8%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 3 (Dallas, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Texas dates from 1973-12-28 (Lake Barbara, Village of). 137 of these communities do not participate in the NFIP; 137 carry a sanction, 4 coded as a suspension and 1 as a withdrawal.

In Texas, 8.7% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Texas

How much is flood insurance in Texas?

NFIP policyholders in Texas paid a median of $1,056 for residential policies effective 2025 (528,554 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $802 and $1,126; $1,205 inside the Special Flood Hazard Area against $1,028 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Texas had?

118,457 NFIP building claims were paid (year of loss 2015-2024), with a median of $55,338; the year with the most was 2017 (75,741), and the named event with the most was Hurricane Harvey (74,833). These are amounts paid, not repair cost.

Is Texas in a flood zone?

Of the residential NFIP policies of Texas (policies effective 2025), 171,601 are rated inside the Special Flood Hazard Area and 356,872 outside it (zones listed: X, AE, A, VE, AH, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Counties of Texas

• Harris County

Named storms with paid claims in Texas

• Hurricane Harvey
• Hurricane Ike
• Tropical Storm Imelda
• Hurricane Rita
• Hurricane Beryl
• Tropical Storm Paul
• Hurricane Dolly
• Tropical Storm Erin
• Hurricane Hanna

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 81 kept policies have zone D or an unknown zone (in n, not in the zone tables).

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).