Flood Claims Map

Texas

Flood insurance claims in Bandera County, Texas

FEMA records 218 National Flood Insurance Program claims in Bandera County, Texas, since 1978, with $5.9 million paid in total. The year with the most claims was 2002, with 104. As of 3 August 2026, 2.0% of homes here had an NFIP policy, and 14.8% of homes in the high-risk flood zone did.

NFIP claims on record218
Total paid$5.9 million
Claims with a payment161
Homes with NFIP policy2.0%
High-risk zone homes insured14.8%
Residential policies in force232

Claims by year of loss

1978: 1119781979: 01980: 11981: 61982: 019821983: 01984: 01985: 01986: 019861987: 131988: 11989: 01990: 019901991: 11992: 31993: 01994: 019941995: 01996: 01997: 251998: 019981999: 12000: 12001: 12002: 10420022003: 12004: 02005: 02006: 220062007: 142008: 02009: 02010: 220102011: 02012: 12013: 02014: 120142015: 112016: 112017: 12018: 220182019: 02020: 02021: 12022: 020222023: 02024: 02025: 02026: 32026104

NFIP claims by year of loss, Bandera County, Texas

1978: $216,37919781979: $01980: $2811981: $3,0871982: $019821983: $01984: $01985: $01986: $019861987: $149,3221988: $01989: $01990: $019901991: $3,7161992: $13,5771993: $01994: $019941995: $01996: $01997: $518,8401998: $019981999: $02000: $43,4382001: $3,3612002: $3.8 million20022003: $6412004: $02005: $02006: $020062007: $136,7472008: $02009: $02010: $020102011: $02012: $02013: $02014: $020142015: $114,1902016: $678,4932017: $2,4622018: $16,94620182019: $02020: $02021: $02022: $020222023: $02024: $02025: $02026: $204,3842026$3.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Torrential rain102
Flooding28
Early summer severe storms11
Tropical Storm Erin11
Early summer storms10
2026-07-Texas-Flooding3
Hurricane Danielle1

ZIP codes with the most claims

ZIP code (as reported)Claims
78003136
7806358
7805513
788845
788852

114 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.3 million, contents $1.5 million, increased cost of compliance $20,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone92213614.8%
All homes11,3852322.0%

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.