Flood Claims Map

Texas

Flood insurance claims in Clay County, Texas

FEMA records 48 National Flood Insurance Program claims in Clay County, Texas, since 1979, with $1.7 million paid in total. The year with the most claims was 1990, with 15. As of 3 August 2026, 0.8% of homes here had an NFIP policy.

NFIP claims on record48
Total paid$1.7 million
Claims with a payment40
Homes with NFIP policy0.8%
High-risk zone homes insuredn/a
Residential policies in force38

Claims by year of loss

1979: 119791980: 01981: 21982: 21983: 019831984: 01985: 21986: 01987: 019871988: 01989: 11990: 151991: 019911992: 01993: 01994: 01995: 019951996: 01997: 01998: 01999: 019992000: 02001: 02002: 02003: 520032004: 12005: 02006: 02007: 720072008: 02009: 02010: 02011: 020112012: 02013: 02014: 02015: 320152016: 52017: 02018: 02019: 220192020: 02021: 02022: 02023: 020232024: 02025: 215

NFIP claims by year of loss, Clay County, Texas

1979: $76219791980: $01981: $62,6931982: $18,6651983: $019831984: $01985: $39,7821986: $01987: $019871988: $01989: $27,1191990: $542,0361991: $019911992: $01993: $01994: $01995: $019951996: $01997: $01998: $01999: $019992000: $02001: $02002: $02003: $4,62920032004: $8152005: $02006: $02007: $229,86220072008: $02009: $02010: $02011: $020112012: $02013: $02014: $02015: $264,43620152016: $333,9692017: $02018: $02019: $151,23820192020: $02021: $02022: $02023: $020232024: $02025: $3,668$542,036

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding12
Thunderstorms6
Early summer severe storms4
Fall severe storms1
Tropical Storm Claudette1
Spring severe storms1
Tropical Storm Imelda1
Early summer storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
7636538
763053
762302
763102
763011
763091
763631

28 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $499,821, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone029n/a
All homes4,991380.8%

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.