Flood Claims Map

Texas

Flood insurance claims in Hidalgo County, Texas

FEMA records 4,405 National Flood Insurance Program claims in Hidalgo County, Texas, since 1978, with $117.9 million paid in total. The year with the most claims was 2020, with 843. As of 3 August 2026, 3.7% of homes here had an NFIP policy.

NFIP claims on record4,405
Total paid$117.9 million
Claims with a payment3,483
Homes with NFIP policy3.7%
High-risk zone homes insuredn/a
Residential policies in force9,038

Claims by year of loss

1978: 519781979: 611980: 3931981: 331982: 4219821983: 441984: 71985: 801986: 119861987: 101988: 111989: 31990: 419901991: 281992: 21993: 21994: 719941995: 51996: 41997: 121998: 719981999: 132000: 42001: 322002: 2320022003: 462004: 182005: 122006: 4320062007: 272008: 3522009: 92010: 13020102011: 72012: 1842013: 92014: 3420142015: 2052016: 322017: 42018: 72820182019: 2522020: 8432021: 1342022: 1720222023: 132024: 72025: 4412026: 252026843

NFIP claims by year of loss, Hidalgo County, Texas

1978: $6,37919781979: $188,8421980: $2.1 million1981: $57,4731982: $48,68519821983: $85,2611984: $4,6331985: $305,8431986: $019861987: $44,2251988: $13,5011989: $36,3921990: $5,66419901991: $94,6271992: $1,6181993: $17,2121994: $23,97019941995: $89,1161996: $12,8231997: $73,4901998: $27,42719981999: $99,5262000: $25,3322001: $177,5082002: $260,48820022003: $476,6482004: $73,3172005: $63,3412006: $765,50820062007: $285,2392008: $3.6 million2009: $66,8332010: $2.3 million20102011: $36,2012012: $3.6 million2013: $26,8082014: $148,02620142015: $5.1 million2016: $401,5122017: $1,1232018: $40.0 million20182019: $6.8 million2020: $22.9 million2021: $2.5 million2022: $121,29820222023: $34,8692024: $204,4612025: $24.3 million2026: $303,7722026$40.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Hanna775
Hurricane Allen376
Hurricane Dolly313
Flooding57
Tropical Storm Bill44
Early summer severe storms24
2026-06-Arthur-TS20
Early summer storms12

ZIP codes with the most claims

ZIP code (as reported)Claims
78596596
78570522
78501433
78599412
78539400
78572394
78577252
78504161
78574153
78541152

948 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $94.1 million, contents $23.9 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone02,089n/a
All homes241,7909,0383.7%

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.