Flood Claims Map

Texas

Flood insurance claims in Bell County, Texas

FEMA records 499 National Flood Insurance Program claims in Bell County, Texas, since 1979, with $14.4 million paid in total. The year with the most claims was 2010, with 118. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 28.9% of homes in the high-risk flood zone did.

NFIP claims on record499
Total paid$14.4 million
Claims with a payment378
Homes with NFIP policy0.7%
High-risk zone homes insured28.9%
Residential policies in force837

Claims by year of loss

1979: 619791980: 41981: 61982: 21983: 419831984: 41985: 21986: 91987: 019871988: 11989: 01990: 31991: 1019911992: 41993: 31994: 31995: 019951996: 21997: 161998: 241999: 019992000: 32001: 222002: 02003: 220032004: 32005: 62006: 72007: 5920072008: 52009: 212010: 1182011: 320112012: 142013: 12014: 72015: 3020152016: 162017: 222018: 22019: 1020192020: 22021: 32022: 42023: 220232024: 282025: 42026: 2118

NFIP claims by year of loss, Bell County, Texas

1979: $4,20519791980: $5,6991981: $7981982: $9171983: $8419831984: $5681985: $01986: $72,1481987: $019871988: $01989: $01990: $5,6371991: $109,00619911992: $3,2111993: $4,3791994: $12,1501995: $019951996: $1,8181997: $69,0291998: $319,5331999: $019992000: $4,7932001: $233,3212002: $02003: $5,77420032004: $41,1192005: $118,3842006: $39,8022007: $978,43820072008: $43,0952009: $949,2522010: $8.8 million2011: $4,22120112012: $107,6662013: $5,0572014: $73,6962015: $578,30920152016: $249,2892017: $444,3952018: $45,0092019: $390,12620192020: $1,1852021: $24,5522022: $45,4432023: $30,00020232024: $580,1222025: $28,2472026: $57,444$8.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding32
Thunderstorms21
Fall severe storms11
Early summer storms11
Early summer severe storms7
Texas Spring Flooding4
March storm2
Tropical Storm Imelda1

ZIP codes with the most claims

ZIP code (as reported)Claims
76571106
7654865
7651356
7650253
7654152
7654237
7654336
7650124
7650423
7654923

180 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.8 million, contents $2.6 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,24536028.9%
All homes113,9828370.7%

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.