Flood Claims Map

Texas

Flood insurance claims in Hardin County, Texas

FEMA records 2,405 National Flood Insurance Program claims in Hardin County, Texas, since 1978, with $191.1 million paid in total. The year with the most claims was 2017, with 851. As of 3 August 2026, 12.2% of homes here had an NFIP policy, and 43.4% of homes in the high-risk flood zone did.

NFIP claims on record2,405
Total paid$191.1 million
Claims with a payment2,086
Homes with NFIP policy12.2%
High-risk zone homes insured43.4%
Residential policies in force2,595

Claims by year of loss

1978: 419781979: 811980: 261981: 71982: 519821983: 421984: 21985: 11986: 2619861987: 181988: 01989: 1561990: 319901991: 91992: 91993: 41994: 28019941995: 81996: 21997: 11998: 1519981999: 32000: 32001: 972002: 5320022003: 172004: 22005: 1222006: 16520062007: 482008: 512009: 32010: 020102011: 32012: 52013: 112014: 220142015: 872016: 492017: 8512018: 420182019: 532020: 22021: 42022: 120222023: 102024: 392025: 42026: 172026851

NFIP claims by year of loss, Hardin County, Texas

1978: $6,39919781979: $1.1 million1980: $46,9061981: $18,7521982: $19,31219821983: $188,0531984: $3,7181985: $01986: $82,12019861987: $154,0941988: $01989: $2.1 million1990: $11,39519901991: $46,1271992: $30,1831993: $41,5381994: $10.4 million19941995: $19,1711996: $2,4781997: $1,0391998: $93,73019981999: $17,7962000: $2,2602001: $1.8 million2002: $585,50520022003: $162,4592004: $20,4242005: $3.0 million2006: $5.9 million20062007: $675,5622008: $335,5322009: $02010: $020102011: $19,2872012: $8,6032013: $173,5242014: $43,54020142015: $2.6 million2016: $1.0 million2017: $155.4 million2018: $113,06020182019: $1.6 million2020: $3,4212021: $22,8262022: $65,10620222023: $153,0922024: $2.3 million2025: $126,3032026: $481,2142026$155.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey838
Flooding411
Tropical Storm Paul155
Tropical Storm Allison148
Hurricane Rita118
Fall severe storms68
Tropical Storm Imelda52
Hurricane Ike40

ZIP codes with the most claims

ZIP code (as reported)Claims
77657938
77659828
77656450
77625108
7766327
7770617
7771112
775194
775852
777712

825 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $140.7 million, contents $50.1 million, increased cost of compliance $289,219.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,47464043.4%
All homes21,3302,59512.2%

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.