Flood Claims Map

Texas

Flood insurance claims in Bexar County, Texas

FEMA records 2,309 National Flood Insurance Program claims in Bexar County, Texas, since 1978, with $33.8 million paid in total. The year with the most claims was 1998, with 412. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 28.4% of homes in the high-risk flood zone did.

NFIP claims on record2,309
Total paid$33.8 million
Claims with a payment1,618
Homes with NFIP policy0.8%
High-risk zone homes insured28.4%
Residential policies in force4,411

Claims by year of loss

1978: 8219781979: 311980: 501981: 481982: 2619821983: 101984: 51985: 201986: 10619861987: 431988: 131989: 31990: 2419901991: 361992: 371993: 491994: 1019941995: 41996: 11997: 141998: 41219981999: 92000: 362001: 572002: 25820022003: 72004: 742005: 52006: 1520062007: 1182008: 52009: 492010: 4320102011: 92012: 392013: 1862014: 1520142015: 852016: 682017: 172018: 4220182019: 182020: 52021: 632022: 320222023: 92024: 92025: 302026: 112026412

NFIP claims by year of loss, Bexar County, Texas

1978: $280,35219781979: $74,3041980: $173,8871981: $145,7021982: $72,61619821983: $41,7701984: $10,5061985: $95,1701986: $438,65819861987: $146,6221988: $13,3641989: $16,2141990: $224,33419901991: $266,9151992: $231,5251993: $729,1751994: $28,11719941995: $2351996: $4851997: $222,7551998: $11.5 million19981999: $6,9932000: $112,7112001: $387,2162002: $3.7 million20022003: $30,5212004: $1.4 million2005: $02006: $132,66120062007: $1.9 million2008: $02009: $861,8192010: $454,85920102011: $105,6832012: $287,9082013: $5.4 million2014: $69,66520142015: $450,9932016: $515,6622017: $83,1902018: $439,02620182019: $97,1912020: $02021: $1.3 million2022: $134,82620222023: $95,2532024: $94,6922025: $1.0 million2026: $106,1542026$11.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding591
Torrential rain236
Tropical Storm Erin50
Hurricane Allen40
Early summer storms17
Early summer severe storms16
Fall severe storms15
Thunderstorms12

ZIP codes with the most claims

ZIP code (as reported)Claims
78209239
78216151
78228149
78201129
78213129
78218110
78230106
7821789
7823886
7823269

938 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $27.2 million, contents $6.6 million, increased cost of compliance $75,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6,1371,74528.4%
All homes567,4884,4110.8%

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.