Flood Claims Map

Texas

Flood insurance claims in Galveston County, Texas

FEMA records 60,620 National Flood Insurance Program claims in Galveston County, Texas, since 1978, with $2.47 billion paid in total. The year with the most claims was 2008, with 22,606. As of 3 August 2026, 42.2% of homes here had an NFIP policy, and 66.0% of homes in the high-risk flood zone did.

NFIP claims on record60,620
Total paid$2.47 billion
Claims with a payment49,437
Homes with NFIP policy42.2%
High-risk zone homes insured66.0%
Residential policies in force52,889

Claims by year of loss

1978: 719781979: 5,4611980: 2551981: 2,3821982: 5019821983: 7,4831984: 2411985: 471986: 9319861987: 211988: 951989: 2,8011990: 2919901991: 1561992: 721993: 511994: 17919941995: 3851996: 1161997: 1891998: 2,72019981999: 312000: 452001: 1,9142002: 46520022003: 7152004: 572005: 3752006: 20520062007: 792008: 22,6062009: 4402010: 5520102011: 412012: 472013: 312014: 2820142015: 1772016: 1042017: 8,8532018: 16320182019: 1212020: 1712021: 2232022: 2020222023: 152024: 7892025: 92026: 8202622,606

NFIP claims by year of loss, Galveston County, Texas

1978: $17,61019781979: $80.7 million1980: $995,0291981: $9.5 million1982: $143,75419821983: $46.7 million1984: $1.0 million1985: $56,9741986: $221,18219861987: $53,7251988: $105,9021989: $30.0 million1990: $83,26119901991: $651,5561992: $234,9881993: $268,2301994: $5.8 million19941995: $2.2 million1996: $538,3321997: $827,6481998: $20.5 million19981999: $36,0862000: $176,6652001: $44.5 million2002: $2.9 million20022003: $4.9 million2004: $292,6832005: $1.9 million2006: $2.2 million20062007: $954,6962008: $1.34 billion2009: $9.5 million2010: $262,54720102011: $164,3332012: $300,8522013: $489,2052014: $577,29520142015: $1.9 million2016: $1.2 million2017: $835.3 million2018: $3.4 million20182019: $1.3 million2020: $2.3 million2021: $3.1 million2022: $588,25120222023: $268,2542024: $13.4 million2025: $33,6072026: $12,6792026$1.34 billion

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ike22,382
Hurricane Harvey8,712
Flooding7,575
Hurricane Alicia7,250
Tropical Storm Claudette3,362
Tropical Storm Allison2,026
Hurricane Chantel1,991
Hurricane Claudette669

ZIP codes with the most claims

ZIP code (as reported)Claims
775398,373
775508,116
775546,962
775516,502
775734,378
775464,160
775634,023
776503,436
775653,099
775902,632

41,965 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.90 billion, contents $550.0 million, increased cost of compliance $21.0 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone43,98229,02566.0%
All homes125,27652,88942.2%

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.