Flood insurance claims in Bowie County, Texas

FEMA records 242 National Flood Insurance Program claims in Bowie County, Texas, since 1978, with $5.2 million paid in total. The year with the most claims was 2015, with 28. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 17.5% of homes in the high-risk flood zone did.

NFIP claims on record242

Total paid$5.2 million

Claims with a payment186

Homes with NFIP policy0.7%

High-risk zone homes insured17.5%

Residential policies in force215

Claims by year of loss

NFIP claims by year of loss, Bowie County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early summer storms	21
Flooding	2
Hurricane Beryl	2
Hurricane Alicia	1
Tropical Storm Bill	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
75503	109
75501	61
75561	22
75569	18
75559	9
75570	7
75502	5
75504	1
75505	1

135 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.2 million, contents $984,161, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	873	153	17.5%
All homes	31,907	215	0.7%

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

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.