Flood Claims Map

Texas

Flood insurance claims in Cameron County, Texas

FEMA records 7,061 National Flood Insurance Program claims in Cameron County, Texas, since 1978, with $184.7 million paid in total. The year with the most claims was 2008, with 1,599. As of 3 August 2026, 9.7% of homes here had an NFIP policy, and 36.7% of homes in the high-risk flood zone did.

NFIP claims on record7,061
Total paid$184.7 million
Claims with a payment5,193
Homes with NFIP policy9.7%
High-risk zone homes insured36.7%
Residential policies in force12,201

Claims by year of loss

1978: 1519781979: 121980: 1,0091981: 101982: 17319821983: 741984: 2991985: 161986: 1719861987: 321988: 841989: 31990: 519901991: 4231992: 301993: 71994: 719941995: 141996: 861997: 741998: 1919981999: 592000: 142001: 92002: 5120022003: 1392004: 692005: 102006: 320062007: 922008: 1,5992009: 132010: 8720102011: 32012: 82013: 92014: 1720142015: 952016: 82017: 172018: 14220182019: 7002020: 1692021: 1372022: 720222023: 42024: 252025: 1,1592026: 720261,599

NFIP claims by year of loss, Cameron County, Texas

1978: $9,24519781979: $37,9531980: $8.3 million1981: $11,7761982: $1.2 million19821983: $461,6391984: $620,3751985: $10,7051986: $62,29019861987: $63,5811988: $125,6341989: $01990: $6,08119901991: $5.8 million1992: $34,1761993: $8,8341994: $31,34619941995: $27,9831996: $419,8641997: $583,2281998: $108,07219981999: $64,9412000: $49,8612001: $41,4412002: $588,71520022003: $2.1 million2004: $1.0 million2005: $118,8732006: $50,52920062007: $1.1 million2008: $22.7 million2009: $38,1392010: $1.4 million20102011: $02012: $57,1792013: $48,7202014: $374,47120142015: $1.6 million2016: $37,0992017: $3,0982018: $3.9 million20182019: $36.8 million2020: $2.0 million2021: $3.6 million2022: $21,74920222023: $9032024: $179,9382025: $89.0 million2026: $13,6812026$89.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Dolly1,482
Hurricane Allen996
Flooding771
Hurricane Hanna151
Hurricane Ike41
Fall severe storms28
Hurricane Harvey12
Heavy rains5

ZIP codes with the most claims

ZIP code (as reported)Claims
785501,806
785971,135
785521,119
78578587
78521526
78586515
78520342
78559335
78593158
78526126

1,676 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $147.0 million, contents $37.7 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone11,8714,35436.7%
All homes125,34012,2019.7%

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.