Flood Claims Map

Texas

Flood insurance claims in Comal County, Texas

FEMA records 1,223 National Flood Insurance Program claims in Comal County, Texas, since 1978, with $60.8 million paid in total. The year with the most claims was 2002, with 329. As of 3 August 2026, 2.4% of homes here had an NFIP policy, and 46.2% of homes in the high-risk flood zone did.

NFIP claims on record1,223
Total paid$60.8 million
Claims with a payment1,023
Homes with NFIP policy2.4%
High-risk zone homes insured46.2%
Residential policies in force1,500

Claims by year of loss

1978: 319781979: 21980: 21981: 51982: 019821983: 11984: 01985: 31986: 119861987: 31988: 01989: 01990: 019901991: 51992: 21993: 21994: 119941995: 21996: 01997: 311998: 28019981999: 12000: 42001: 52002: 32920022003: 22004: 392005: 02006: 320062007: 102008: 02009: 122010: 24420102011: 12012: 12013: 342014: 320142015: 1422016: 142017: 52018: 220182019: 02020: 92021: 92022: 020222023: 22024: 02025: 42026: 52026329

NFIP claims by year of loss, Comal County, Texas

1978: $65119781979: $01980: $4231981: $1,2411982: $019821983: $01984: $01985: $3,5341986: $019861987: $4,0481988: $01989: $01990: $019901991: $38,2941992: $35,6101993: $18,2601994: $12,04919941995: $01996: $01997: $703,4271998: $22.6 million19981999: $02000: $29,2782001: $38,3562002: $20.1 million20022003: $2,4132004: $626,4522005: $02006: $16,43320062007: $59,5222008: $02009: $104,1742010: $10.8 million20102011: $02012: $4,3452013: $252,1812014: $12,65820142015: $4.7 million2016: $210,6472017: $02018: $020182019: $02020: $175,8152021: $67,6562022: $020222023: $8,8602024: $02025: $178,2852026: $46,7902026$22.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Torrential rain327
Flooding305
Fall severe storms129
Early summer storms8
2026-07-Texas-Flooding5
Early summer severe storms3
Thunderstorms3
Tropical Storm Bill2

ZIP codes with the most claims

ZIP code (as reported)Claims
78130653
78132248
78163113
78133108
7807054
7826622
7813110
786235
780152
782182

571 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $46.2 million, contents $14.3 million, increased cost of compliance $344,533.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,40865146.2%
All homes62,2751,5002.4%

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.