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NFIP records · Texas · policies as of July 31, 2026

Flood insurance in Texas

What policyholders here actually pay, what floods have paid out, and how to pay less, from public federal records.

$1,080
Median / yr
$90
Per month
$792–$1,261
Middle half
47.6%
Pay under FEMA's full-risk price

That is 2% above the U.S. median of $1,055; 18th highest of 51 states.

This is what existing single-family policies cost — not a quote. Your own premium depends on your building, coverage and elevation.

Check your address on FEMA's flood map →

Your flood zone is set at your exact address and drives your price and whether coverage is required. Look it up first, then read your zone's row in "What does it cost in my flood zone?" below.

Built from all 550,235 in-force NFIP policy records and 394,204 claim records FEMA publishes for Texas, downloaded October 25, 2026 and matched to FEMA's own count, none missing. Download the figures on this page (CSV) · How we check them

Is my quote or renewal normal here?

Type your yearly flood cost (premium plus fees, as on your bill) to see where it sits among Texas's existing single-family policies. This is a comparison, not a quote.

Enter an amount above.

Am I required to carry it?

Only if your home is in a high-risk zone (A or V) and your mortgage is from a federally regulated lender, or federal help to buy or build (42 U.S.C. §4012a). Check your zone on FEMA's flood map.

36.5% of Texas's NFIP policies are in high-risk zones (not 36.5% of all buildings, and not an answer about your own home).

Flood zonePoliciesShare
Zone X347,98460.1%
Zone AE (high-risk)167,11728.8%
Zone A (high-risk)16,0362.8%
Zone VE (high-risk)10,8811.9%
Zone B10,4321.8%
Zone C9,2031.6%
Zone AH (high-risk)6,4801.1%
Other or unclassified zones11,1931.9%

Insured units by the flood zone each policy is rated in (a condo-building policy counts each unit). Outside those zones the federal requirement drops, but a lender can still require coverage.

Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Source: govinfo.gov, federalreserve.gov (official pages, checked October 25, 2026). Not endorsed by FEMA.

I'm outside the high-risk zone. Do floods happen there?

Yes. 47.6% of the flood-insurance claim money paid in Texas went to homes outside the high-risk zones, which hold 63.5% of policies here: less per policy than inside the high-risk zone, but not zero.

Outside those zones the federal requirement drops, but a lender can still require coverage. Insured claims only, by each policy's rated zone.

Source: FEMA OpenFEMA — NFIP Claims; FEMA OpenFEMA — NFIP Policies. Data effective claims 1978–2026; policies July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

How much does it cost here?

Typically about $1,080 a year ($90 a month), fees included. Half of homeowners here pay between $792 and $1,261. To check a quote, use the checker at the top.

Low end $792 · Typical $1,080 · High end $1,261 · Top 10% pay $1,611 or more

Each policy's annual cost (premium plus the federal policy fee, reserve fund assessment and HFIAA surcharge), single-family primary residences. The bar is the middle half of policies, from 429,325 single-family primary-home policies.

Coverage in force: $132.6 billion of building and $44.8 billion of contents coverage across all Texas policies.

Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

How do I actually get covered — and how fast?

Buy it now: most policies start 30 days after you buy, but there's no wait if you buy it with a new or refinanced mortgage.

  • Waiting period30 days
  • Bought with a new or refinanced mortgageNo wait
  • NFIP building limit$250,000
  • NFIP contents limit$100,000

Most homeowners insurance does not cover flood damage; flood insurance is bought separately, through the federal NFIP or a private insurer. Exceptions: no wait if you buy while making, increasing, extending or renewing a mortgage, or change coverage at renewal; a one-day wait if a map revision puts the property in a high-risk zone and you buy within 13 months of the revision (44 CFR §61.11). NFIP covers up to $250,000 on the building and $100,000 on contents, which is a separate policy. To buy: call the NFIP at (877) 336-2627, go to FloodSmart.gov, or ask any licensed insurance agent. Every NFIP insurer offers the same rates.

Already flooded? Insured: report the loss to your insurance agent or company now (FEMA's steps: how to start a flood claim). Not insured: a policy bought today will not cover a flood that already happened, and FEMA disaster aid is open to people in counties designated in a federally declared disaster. Past aid paid here is in “Did the government pay homeowners after floods?” below.

Source: floodsmart.gov, govinfo.gov, fema.gov (official pages, checked October 25, 2026). Not endorsed by FEMA.

What does it cost in my flood zone?

From about $626 a year (Zone A04) to $1,858 (Zone VE) here. Your zone is on your lender's flood determination or FEMA's map; find its row below.

Flood zoneMedian / yrPolicies
Zone X$1,058288,460
Zone AE$1,234101,944
Zone A$1,0119,526
Zone B$1,0828,095
Zone C$9697,535
Zone AH$7344,532
Zone VE$1,8583,002
Zone AO$8852,583
Zone A13$1,7331,421
Zone A01$826336
Zone A03$663294
Zone A08$1,652214
Zone A04$626202
Zone A18$1,600170
Zone AHB$760134
Zone A15$1,389133
Zone A12$1,34399
Zone A14$1,44292
Zone A02$67181
Zone A06$1,26777
Zone A07$1,19868
Zone A11$1,22765

Why can a high-risk zone cost less than Zone X here? Since FEMA's Risk Rating 2.0, price is set from each building's own flood risk, not its zone, and these are existing policies whose buildings differ. The reason for any one zone is not in this data.

Zones with fewer than 50 priced single-family policies are omitted. Your own premium still depends on elevation and coverage.

Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

What does it cost in my county?

From about $482 a year in Trinity County to $1,414 in Gonzales County, among counties with 30 or more priced policies. Find yours below.

CountyPoliciesMedian / yrBelow full-riskClaims since 1978
Harris County231,234$1,08452.9%170,854
Galveston County60,942$1,10156.9%60,620
Fort Bend County41,452$96437.6%7,389
Brazoria County29,360$1,08248.9%21,436
Nueces County26,908$91029.7%8,673
Montgomery County22,513$1,00140.6%13,035
Jefferson County20,824$1,08765.5%22,715
Cameron County19,785$62424.1%7,061
Orange County12,097$1,19271.0%12,876
Hidalgo County9,960$63119.5%4,405
Travis County8,921$1,00839.4%4,418
Dallas County6,882$93633.1%3,457
Tarrant County5,835$81830.2%3,569
Bexar County5,345$90640.0%2,309
Aransas County4,890$1,20867.0%4,128
Chambers County3,707$1,01045.3%2,096
El Paso County3,002$62322.4%780
Hardin County2,745$93838.6%2,405
Matagorda County2,631$1,09450.4%2,137
San Patricio County2,464$77430.4%1,981
Guadalupe County2,420$1,31851.5%2,456
Denton County2,228$73526.9%563
Taylor County2,176$70020.8%936
Waller County2,108$87132.1%878
Williamson County2,084$84138.6%741
Comal County1,996$1,10263.5%1,223
Liberty County1,966$76525.4%3,306
Wharton County1,869$89831.3%1,166
Hays County1,838$1,05447.3%1,489
Calhoun County1,815$1,25477.9%831

200 smaller counties are not listed.

Lowest typical cost: Trinity County ($482), Hale County ($526), Potter County ($531), Hockley County ($568) and El Paso County ($623). Highest: Gonzales County ($1,414), Somervell County ($1,363), Llano County ($1,350), Guadalupe County ($1,318) and Burnet County ($1,267). Median annual cost of single-family primary-home policies.

Counties with fewer than 30 priced single-family policies show a dash; medians from under 100 policies move more from year to year.

Source: FEMA OpenFEMA — NFIP Policies; FEMA OpenFEMA — NFIP Claims. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Why do sites quote different averages for Texas?

Because they measure different things. From the same FEMA records, the typical single-family home pays $1,080 a year, but the average across every policy type is $1,302.

MeasureAmountWhat it counts
Median cost, single-family homes$1,080premium plus fees; the middle policy
Average (mean) cost, single-family homes$1,122pulled up by a few expensive policies
Median premium only, single-family homes$854before the federal fee, reserve fund and surcharge
Average premium only, single-family homes$890the figure many sites quote
Median cost, every policy type$1,084adds condos, rentals and businesses
Average cost, every policy type$1,302

Published averages rarely say which of these they are, or which year. All six here come from the NFIP policies in force on July 31, 2026.

Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

How do current premiums compare with FEMA's full-risk price?

47.6% of bills here can keep rising: they pay less than FEMA's full-risk price. Those prices step up toward full-risk each year, limited by the yearly cap. Median premium $854, full-risk $971 (premiums only, before fees).

Years to the full-risk price: By law most premiums cannot rise more than 18% a year (FloodSmart puts it at 18–25% for most policyholders); the cap usually does not apply to new policies, and fees and surcharges sit outside it. At the 18% cap, a policy at today's median premium ($854) would take at least about 1 annual renewal to reach the median full-risk premium ($971). This is the limit on how fast a bill can climb, not a forecast of any one policy.

Source: FEMA OpenFEMA — NFIP Policies. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Can I pay less than the sticker price?

Yes, in 78 of the 1399 towns here: up to 35% off in Dallas. It applies to every eligible policy there. Find your town below.

CommunityHigh-risk zoneOther areasCRS class
Dallas (Rockwall County/Denton County/Kaufman County/Collin County/Dallas County)35%10%3
Grand Prairie (Ellis County/Tarrant County/Dallas County)30%10%4
Houston (Fort Bend County/Montgomery County/Harris County)30%10%4
Pearland (Fort Bend County/Harris County/Brazoria County)25%10%5
Denton (Denton County)25%10%5
Jersey Village (Harris County)25%10%5
Austin (Hays County/Williamson County/Travis County)25%10%5
Arlington (Tarrant County)25%10%5
Baytown (Chambers County/Harris County)25%10%5
Friendswood (Harris County/Galveston County)25%10%5
Galveston (Galveston County)25%10%5
La Porte (Harris County)25%10%5
League City (Harris County/Galveston County)25%10%5
Leon Valley (Bexar County)20%10%6
San Antonio (Bexar County)20%10%6

The 15 largest discounts of 78 discounted communities are shown; 1321 communities here have no CRS discount. Each county page lists its own towns.

The Community Rating System cuts NFIP premiums for every eligible policy in a community that does extra flood work. The discount shown is the community's rate; what share of its policies currently receive it is not in this data. Confirm with your agent.

Source: FEMA OpenFEMA — NFIP Community Status Book (CRS). Data effective current Community Status Book; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

What do floods actually pay out here?

Floods here have led to 394,204 NFIP flood claims and $17.3 billion in payouts since 1978; the worst years were 2017, 2008 and 2001.

1978: 673 claims, $2,706,9211979: 21,721 claims, $217,766,3191980: 7,154 claims, $34,099,4201981: 10,097 claims, $57,159,7541982: 2,359 claims, $15,296,5781983: 17,691 claims, $152,679,6191984: 2,964 claims, $23,817,6631985: 2,065 claims, $9,788,8421986: 1,363 claims, $6,718,2391987: 1,821 claims, $9,937,5241988: 695 claims, $3,634,6391989: 13,158 claims, $154,515,0771990: 1,772 claims, $23,632,3121991: 3,494 claims, $34,153,3761992: 4,106 claims, $59,207,4351993: 1,280 claims, $10,235,8951994: 7,948 claims, $225,916,9441995: 1,937 claims, $14,808,7391996: 1,055 claims, $10,206,0051997: 3,408 claims, $36,789,8421998: 12,582 claims, $262,742,2201999: 1,361 claims, $8,712,4202000: 1,379 claims, $14,668,2462001: 29,242 claims, $998,192,9682002: 9,505 claims, $197,899,0122003: 3,867 claims, $52,813,9762004: 2,907 claims, $60,389,6812005: 4,564 claims, $57,342,6342006: 4,705 claims, $99,208,7252007: 4,280 claims, $91,243,2832008: 47,167 claims, $2,249,528,4772009: 6,533 claims, $172,234,6442010: 2,659 claims, $71,680,5102011: 271 claims, $1,495,9032012: 2,104 claims, $35,685,7632013: 1,933 claims, $63,002,4442014: 1,159 claims, $15,125,5222015: 12,576 claims, $578,257,0472016: 13,928 claims, $700,275,1952017: 93,589 claims, $9,052,635,6402018: 3,280 claims, $120,672,9402019: 13,982 claims, $870,384,1642020: 2,286 claims, $44,362,8542021: 2,532 claims, $45,897,6172022: 690 claims, $18,155,5052023: 565 claims, $14,736,3242024: 4,718 claims, $162,227,4702025: 2,425 claims, $158,545,6102026: 654 claims, $22,573,24619801990200020102020

Orange bars are the three costliest years: 2017 ($9,052,635,640), 2008 ($2,249,528,477), 2001 ($998,192,968). Total paid $17,343,761,184: net building + contents payments by year of loss. Claims are matched by the claims dataset's county code, which may not exactly match a policy's property county.

That is 394,204 claims since 1978 against 579,326 policies in force today — a cumulative tally spanning ~49 years over a present-day snapshot, not an annual claim rate or a flood probability.

Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Do flood claims here actually pay out?

Most do: 80.0% of claims here paid something. The average paid claim was $55,153.

FEMA lists reasons a claim closes without payment, such as damage below the deductible, no flood as the policy defines it, or seepage and drain backup the policy does not cover. The average is over claims that paid something; a single home can file across several floods over the years.

Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Why do flood claims here go unpaid?

Of the 78,659 claims here closed without payment, the top reason FEMA recorded was “not an actual flood” (18,053 claims).

Reason recordedClaims
Not an actual flood18,053
Damage less than the deductible14,196
No demonstrable damage10,156

The building non-payment reason on each NFIP claim closed with nothing paid. Records marked “other” or entered in error are left out.

Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Which named storms paid out the biggest totals here?

Among named storms, Hurricane Harvey (2017) paid out the largest total: $9.0 billion across 76,274 NFIP flood claims.

Storm (FEMA's name)ClaimsTotal paidAverage
Hurricane Harvey (2017)76,274$9.0 billion$118,418
Hurricane Ike (2008)34,493$2.2 billion$64,561
Tropical Storm Allison (1989–2001)26,993$1.0 billion$37,657
Tropical Storm Imelda (2019)10,121$752.7 million$74,365
Early summer storms (2015)6,780$471.8 million$69,581
Early summer severe storms (2016)3,019$185.1 million$61,316

NFIP claims that were paid, grouped by the flood event FEMA assigned; claims with no event name, or a generic one like “flooding”, are left out.

Source: FEMA OpenFEMA — NFIP Claims. Data effective 1978–2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Would a policy here pay to rebuild my home?

Not in full for 35.8% of insured single-family homes here: FEMA's records put their rebuilding cost above the NFIP's $250,000 building limit.

NFIP covers up to $250,000 on the building and $100,000 on contents, which is a separate policy. Rebuilding cost is the replacement-cost figure on each single-family primary-home policy record.

Source: FEMA OpenFEMA — NFIP Policies; FEMA OpenFEMA — NFIP Claims. Data effective July 31, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Source: floodsmart.gov (official pages, checked October 25, 2026). Not endorsed by FEMA.

How often do the same homes flood here?

Some homes here flood again and again: 130,104 flood-damage applications in FEMA's disaster-aid records came from homes that flooded more than once; 8,799 of those records came from homes hit in four or more.

One home appears once for each declared disaster that damaged it, so this counts damage events on repeat-flooded homes, not distinct homes (FEMA says these records cannot be totaled by property). Disaster-aid applications since 2002, separate from NFIP insurance claims.

Source: FEMA OpenFEMA — Repetitive-Loss Flood Properties. Data effective FEMA's current list; retrieved October 26, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

How Texas counties compare

16 of Texas's 254 counties are rated Relatively High or Very High for flooding by FEMA's National Risk Index, a model of expected loss; the claims below show what has actually flooded.

Anderson: Relatively LowAndrews: Very LowAngelina: Relatively LowAransas: Relatively ModerateArcher: Very LowArmstrong: Very LowAtascosa: Relatively LowAustin: Relatively LowBailey: Very LowBandera: Relatively ModerateBastrop: Relatively ModerateBaylor: Very LowBee: Relatively LowBell: Relatively ModerateBexar: Very HighBlanco: Relatively LowBorden: Very LowBosque: Relatively LowBowie: Relatively LowBrazoria: Relatively HighBrazos: Relatively ModerateBrewster: Very LowBriscoe: Very LowBrooks: Very LowBrown: Relatively ModerateBurleson: Very LowBurnet: Relatively ModerateCaldwell: Relatively ModerateCalhoun: Relatively LowCallahan: Very LowCameron: Relatively ModerateCamp: Very LowCarson: Very LowCass: Relatively LowCastro: Very LowChambers: Relatively LowCherokee: Relatively LowChildress: Very LowClay: Very LowCochran: Very LowCoke: Very LowColeman: Very LowCollin: Relatively HighCollingsworth: Very LowColorado: Relatively LowComal: Relatively HighComanche: Relatively LowConcho: Very LowCooke: Relatively LowCoryell: Relatively LowCottle: Very LowCrane: Very LowCrockett: Very LowCrosby: Very LowCulberson: Very LowDallam: Very LowDallas: Very HighDawson: Very LowDeaf Smith: Very LowDelta: Very LowDenton: Relatively HighDeWitt: Relatively ModerateDickens: Very LowDimmit: Very LowDonley: Very LowDuval: Very LowEastland: Relatively LowEctor: Relatively ModerateEdwards: Very LowEllis: Relatively ModerateEl Paso: Relatively HighErath: Relatively LowFalls: Very LowFannin: Relatively LowFayette: Relatively LowFisher: Very LowFloyd: Very LowFoard: Very LowFort Bend: Relatively HighFranklin: Very LowFreestone: Relatively LowFrio: Relatively LowGaines: Very LowGalveston: Relatively HighGarza: Very LowGillespie: Relatively LowGlasscock: Very LowGoliad: Very LowGonzales: Relatively ModerateGray: Very LowGrayson: Relatively ModerateGregg: Relatively ModerateGrimes: Relatively LowGuadalupe: Relatively HighHale: Relatively LowHall: Very LowHamilton: Very LowHansford: Very LowHardeman: Very LowHardin: Relatively LowHarris: Very HighHarrison: Relatively LowHartley: Very LowHaskell: Very LowHays: Relatively ModerateHemphill: Very LowHenderson: Relatively LowHidalgo: Relatively HighHill: Relatively LowHockley: Very LowHood: Relatively LowHopkins: Relatively LowHouston: Relatively LowHoward: Relatively LowHudspeth: Very LowHunt: Relatively LowHutchinson: Very LowIrion: Very LowJack: Very LowJackson: Relatively LowJasper: Relatively LowJeff Davis: Very LowJefferson: Relatively ModerateJim Hogg: Very LowJim Wells: Relatively LowJohnson: Relatively ModerateJones: Relatively LowKarnes: Relatively LowKaufman: Relatively ModerateKendall: Relatively ModerateKenedy: Very LowKent: Very LowKerr: Relatively ModerateKimble: Relatively LowKing: Very LowKinney: Very LowKleberg: Relatively LowKnox: Very LowLamar: Relatively LowLamb: Very LowLampasas: Relatively LowLa Salle: Very LowLavaca: Relatively ModerateLee: Very LowLeon: Relatively LowLiberty: Relatively LowLimestone: Relatively LowLipscomb: Very LowLive Oak: Very LowLlano: Relatively ModerateLoving: Very LowLubbock: Relatively ModerateLynn: Very LowMcCulloch: Very LowMcLennan: Relatively ModerateMcMullen: Very LowMadison: Very LowMarion: Very LowMartin: Very LowMason: Very LowMatagorda: Relatively ModerateMaverick: Relatively ModerateMedina: Relatively ModerateMenard: Very LowMidland: Relatively ModerateMilam: Relatively LowMills: Very LowMitchell: Very LowMontague: Very LowMontgomery: Relatively HighMoore: Very LowMorris: Very LowMotley: Very LowNacogdoches: Relatively ModerateNavarro: Relatively LowNewton: Very LowNolan: Very LowNueces: Relatively HighOchiltree: Very LowOldham: Very LowOrange: Relatively ModeratePalo Pinto: Relatively LowPanola: Relatively LowParker: Relatively LowParmer: Very LowPecos: Very LowPolk: Relatively LowPotter: Relatively LowPresidio: Very LowRains: Very LowRandall: Relatively LowReagan: Very LowReal: Relatively LowRed River: Very LowReeves: Very LowRefugio: Very LowRoberts: Very LowRobertson: Relatively LowRockwall: Relatively LowRunnels: Very LowRusk: Relatively LowSabine: Very LowSan Augustine: Very LowSan Jacinto: Relatively LowSan Patricio: Relatively ModerateSan Saba: Very LowSchleicher: Very LowScurry: Very LowShackelford: Very LowShelby: Relatively LowSherman: Very LowSmith: Relatively ModerateSomervell: Very LowStarr: Relatively LowStephens: Very LowSterling: Very LowStonewall: Very LowSutton: Very LowSwisher: Very LowTarrant: Relatively HighTaylor: Relatively ModerateTerrell: Very LowTerry: Very LowThrockmorton: Very LowTitus: Very LowTom Green: Relatively ModerateTravis: Relatively HighTrinity: Relatively LowTyler: Relatively LowUpshur: Relatively LowUpton: Very LowUvalde: Relatively ModerateVal Verde: Relatively ModerateVan Zandt: Relatively LowVictoria: Relatively LowWalker: Relatively LowWaller: Relatively LowWard: Very LowWashington: Relatively LowWebb: Relatively ModerateWharton: Relatively LowWheeler: Very LowWichita: Relatively ModerateWilbarger: Very LowWillacy: Very LowWilliamson: Relatively ModerateWilson: Relatively ModerateWinkler: Very LowWise: Relatively LowWood: Relatively LowYoakum: Relatively LowYoung: Very LowZapata: Very LowZavala: Relatively Low
Flood-risk rating (FEMA National Risk Index): Very Low Low Moderate High Very High.

Source: FEMA — National Risk Index (flood). Data effective NRI 2023 release; retrieved October 25, 2026.

How many homes here carry flood insurance?

About 1 in 17 homes here has flood insurance (5.8%). Inside the high-risk zone it's 47.5%.

FEMA's NFIP residential take-up rate — share of residential structures with an NFIP policy, overall and inside the Special Flood Hazard Area. NFIP only (excludes private flood insurance); the structure count is a FEMA estimate.

Source: FEMA OpenFEMA — NFIP Residential Penetration Rates. Data effective August 3, 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

How often is Texas a flood disaster?

83 federal disasters for floods or storms here; the latest was Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (2026).

Distinct storms by calendar year (one storm's emergency and major-disaster declarations are counted once), not individual declaration records.

Source: FEMA OpenFEMA — Disaster Declarations Summaries. Data effective declarations through 2026; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Did the government pay homeowners after floods?

Yes, but not much per household: FEMA approved $3.6 billion for homeowners here, about $1,600 per registration, against an average paid flood claim of $55,153.

FEMA disaster aid helps with uninsured and underinsured losses, and is separate from NFIP insurance.

Source: FEMA OpenFEMA — Housing Assistance (Owners); FEMA OpenFEMA — NFIP Claims. Data effective owner registrations by disaster; retrieved October 25, 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA.

Reconciliation & data completeness

Our record counts match the API's own totals; FEMA's official policy count is not yet joined for Texas.

In-force count: 579,326 policy units (from 550,235 API records; condo-association records carry more than one unit). Count reconciliation (not a snapshot proof): policies: 550235/550235 fetched; claims: 394204/394204 fetched.

What this data cannot tell you

The federal datasets behind this page

Every figure comes from a public U.S. federal dataset; estimates are labeled where they appear. This page joins 8 of them for Texas. Last pulled October 26, 2026.