Flood Claims Map

Texas

Flood insurance claims in Fort Bend County, Texas

FEMA records 7,389 National Flood Insurance Program claims in Fort Bend County, Texas, since 1978, with $450.9 million paid in total. The year with the most claims was 2017, with 3,977. As of 3 August 2026, 15.4% of homes here had an NFIP policy, and 41.9% of homes in the high-risk flood zone did.

NFIP claims on record7,389
Total paid$450.9 million
Claims with a payment5,106
Homes with NFIP policy15.4%
High-risk zone homes insured41.9%
Residential policies in force39,537

Claims by year of loss

1978: 219781979: 741980: 111981: 451982: 1119821983: 1361984: 111985: 381986: 219861987: 101988: 11989: 571990: 019901991: 871992: 521993: 111994: 20619941995: 111996: 41997: 521998: 8819981999: 212000: 112001: 1972002: 4520022003: 472004: 222005: 212006: 3620062007: 312008: 2732009: 572010: 2820102011: 52012: 1392013: 302014: 1920142015: 3322016: 6312017: 3,9772018: 2120182019: 2452020: 392021: 772022: 1620222023: 72024: 1412025: 82026: 420263,977

NFIP claims by year of loss, Fort Bend County, Texas

1978: $2,56019781979: $482,7131980: $10,6081981: $53,2271982: $10,57719821983: $436,3831984: $7,6411985: $121,0941986: $32219861987: $21,2561988: $01989: $338,2951990: $019901991: $1.4 million1992: $425,1881993: $134,0321994: $5.6 million19941995: $18,2491996: $5061997: $571,4741998: $810,49919981999: $169,5112000: $22,6572001: $1.5 million2002: $334,38120022003: $298,2942004: $98,1382005: $64,7462006: $389,00020062007: $226,6962008: $677,9212009: $586,2522010: $146,83120102011: $02012: $1.9 million2013: $439,3432014: $136,27320142015: $6.3 million2016: $45.8 million2017: $364.1 million2018: $87,36220182019: $12.9 million2020: $629,1872021: $618,8072022: $22,95120222023: $34,6852024: $2.9 million2025: $02026: $16,8672026$364.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey3,928
Flooding506
Early summer severe storms448
Hurricane Ike259
Early summer storms248
Tropical Storm Allison181
Spring severe storms160
Hurricane Beryl123

ZIP codes with the most claims

ZIP code (as reported)Claims
77459998
77406953
77450913
77479602
77476565
77469434
77471335
77489331
77478271
77498262

1,975 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $343.8 million, contents $105.9 million, increased cost of compliance $1.2 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6,5352,73941.9%
All homes255,91939,53715.4%

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.