Flood Claims Map

Texas

Flood insurance claims in Austin County, Texas

FEMA records 327 National Flood Insurance Program claims in Austin County, Texas, since 1983, with $14.3 million paid in total. The year with the most claims was 2016, with 126. As of 3 August 2026, 3.9% of homes here had an NFIP policy, and 32.8% of homes in the high-risk flood zone did.

NFIP claims on record327
Total paid$14.3 million
Claims with a payment283
Homes with NFIP policy3.9%
High-risk zone homes insured32.8%
Residential policies in force474

Claims by year of loss

1983: 119831984: 01985: 21986: 01987: 019871988: 01989: 01990: 01991: 319911992: 11993: 31994: 121995: 019951996: 01997: 41998: 191999: 019992000: 02001: 02002: 02003: 020032004: 102005: 02006: 02007: 320072008: 02009: 32010: 02011: 020112012: 12013: 32014: 02015: 1420152016: 1262017: 942018: 02019: 1020192020: 02021: 142022: 02023: 120232024: 22025: 02026: 1126

NFIP claims by year of loss, Austin County, Texas

1983: $1,37519831984: $01985: $12,8181986: $01987: $019871988: $01989: $01990: $01991: $6,36019911992: $01993: $90,6901994: $370,3851995: $019951996: $01997: $36,8281998: $625,7461999: $019992000: $02001: $02002: $02003: $020032004: $252,8132005: $02006: $02007: $41,24820072008: $02009: $21,9222010: $02011: $020112012: $02013: $86,2592014: $02015: $178,78620152016: $8.4 million2017: $3.4 million2018: $02019: $323,50220192020: $02021: $347,3352022: $02023: $2,18720232024: $02025: $02026: $87,132$8.4 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Austin County, Texas

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey93
Spring severe storms75
Early summer severe storms50
Flooding31
Tropical Storm Bill12
Early summer storms2
2026-06-Arthur-TS1
Texas Severe Winter Storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
77474234
7741845
7748536
774736
789503
789332
733011

200 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.2 million, contents $2.9 million, increased cost of compliance $100,142.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone54617932.8%
All homes12,2884743.9%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.