Flood insurance claims in Bee County, Texas

FEMA records 90 National Flood Insurance Program claims in Bee County, Texas, since 1980, with $1.3 million paid in total. The most claims in one year was 19, in 2001 and 2017. As of 3 August 2026, 2.9% of homes here had an NFIP policy, and 24.3% of homes in the high-risk flood zone did.

NFIP claims on record90

Total paid$1.3 million

Claims with a payment55

Homes with NFIP policy2.9%

High-risk zone homes insured24.3%

Residential policies in force235

Claims by year of loss

NFIP claims by year of loss, Bee County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Harvey	19
Thunderstorms	8
Flooding	3
Tropical Storm Bill	2
Hurricane Claudette	2
Hurricane Allen	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
78102	71
78389	8
78104	4
78146	3
78387	2
78391	1
78142	1

43 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $995,270, contents $264,200, increased cost of compliance $66,010.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	633	154	24.3%
All homes	8,147	235	2.9%

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

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.