Flood Claims Map

Texas

Flood insurance claims in Chambers County, Texas

FEMA records 2,096 National Flood Insurance Program claims in Chambers County, Texas, since 1979, with $129.5 million paid in total. The year with the most claims was 2017, with 728. As of 3 August 2026, 22.7% of homes here had an NFIP policy, and 42.9% of homes in the high-risk flood zone did.

NFIP claims on record2,096
Total paid$129.5 million
Claims with a payment1,752
Homes with NFIP policy22.7%
High-risk zone homes insured42.9%
Residential policies in force3,453

Claims by year of loss

1979: 3019791980: 11981: 571982: 11983: 11219831984: 11985: 11986: 21987: 419871988: 11989: 441990: 51991: 319911992: 31993: 51994: 291995: 419951996: 241997: 01998: 421999: 419992000: 62001: 212002: 22003: 1120032004: 192005: 192006: 382007: 920072008: 4172009: 372010: 02011: 020112012: 02013: 22014: 22015: 620152016: 112017: 7282018: 52019: 34720192020: 22021: 72022: 02023: 120232024: 312025: 02026: 2728

NFIP claims by year of loss, Chambers County, Texas

1979: $216,93419791980: $01981: $389,1521982: $01983: $956,41619831984: $01985: $01986: $1,9921987: $30,28419871988: $12,7221989: $107,2411990: $23,4701991: $6,39119911992: $2,0231993: $12,6431994: $674,3601995: $38,37219951996: $163,2641997: $01998: $211,3331999: $20,24419992000: $51,8742001: $212,5202002: $1,1092003: $73,28920032004: $324,2102005: $86,7892006: $706,8912007: $95,50020072008: $21.0 million2009: $675,4312010: $02011: $020112012: $02013: $13,8682014: $9,5192015: $17,72920152016: $194,7652017: $71.0 million2018: $127,0322019: $31.5 million20192020: $02021: $02022: $02023: $020232024: $579,8012025: $02026: $3,927$71.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey718
Hurricane Ike410
Tropical Storm Imelda343
Flooding115
Hurricane Alicia105
Tropical Storm Allison30
Hurricane Beryl21
Hurricane Jerry19

ZIP codes with the most claims

ZIP code (as reported)Claims
77523571
77665527
77514499
77521247
7756058
7752046
7753538
7766135
7759722
775808

428 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $94.5 million, contents $34.1 million, increased cost of compliance $919,788.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone77033042.9%
All homes15,2413,45322.7%

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.