Flood Claims Map

Texas

Flood insurance claims in Hays County, Texas

FEMA records 1,489 National Flood Insurance Program claims in Hays County, Texas, since 1979, with $71.7 million paid in total. The year with the most claims was 2015, with 731. As of 3 August 2026, 2.3% of homes here had an NFIP policy, and 44.0% of homes in the high-risk flood zone did.

NFIP claims on record1,489
Total paid$71.7 million
Claims with a payment1,262
Homes with NFIP policy2.3%
High-risk zone homes insured44.0%
Residential policies in force1,620

Claims by year of loss

1979: 2119791980: 11981: 1141982: 01983: 119831984: 01985: 321986: 41987: 319871988: 01989: 11990: 21991: 819911992: 11993: 01994: 01995: 019951996: 01997: 241998: 2541999: 019992000: 32001: 592002: 152003: 020032004: 72005: 02006: 12007: 1320072008: 02009: 22010: 62011: 020112012: 62013: 852014: 22015: 73120152016: 202017: 232018: 12019: 3920192020: 22021: 52022: 12023: 120232024: 1731

NFIP claims by year of loss, Hays County, Texas

1979: $66,73919791980: $01981: $998,8561982: $01983: $019831984: $01985: $157,1281986: $2,0521987: $14,73719871988: $01989: $01990: $01991: $6,41519911992: $2,7731993: $01994: $01995: $019951996: $01997: $430,6251998: $3.6 million1999: $019992000: $6,7972001: $1.1 million2002: $121,6302003: $020032004: $77,2872005: $02006: $02007: $184,62520072008: $02009: $17,7722010: $97,7282011: $020112012: $36,9962013: $3.0 million2014: $02015: $59.1 million20152016: $285,4262017: $648,1642018: $13,0602019: $1.6 million20192020: $9,1982021: $122,1722022: $02023: $020232024: $0$59.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Early summer storms402
Flooding378
Fall severe storms324
Early summer severe storms16
Torrential rain14
Hurricane Harvey6
Tropical Storm Claudette2
Hurricane Allen1

ZIP codes with the most claims

ZIP code (as reported)Claims
78666786
78676472
7861061
7866753
7862041
7864019
7873715
7861914
7865213
781305

1,015 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $58.3 million, contents $13.1 million, increased cost of compliance $291,115.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,03389444.0%
All homes70,4151,6202.3%

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.