Flood insurance claims in Hill County, Texas

FEMA records 31 National Flood Insurance Program claims in Hill County, Texas, since 1981, with $462,578 paid in total. The most claims in one year was 6, in 1991 and 2015. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 16.0% of homes in the high-risk flood zone did.

NFIP claims on record31

Total paid$462,578

Claims with a payment23

Homes with NFIP policy0.5%

High-risk zone homes insured16.0%

Residential policies in force71

Claims by year of loss

NFIP claims by year of loss, Hill County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	8
Hurricane Ike	1
Texas Spring Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
76692	17
76627	7
76628	3
76645	2
76636	1
76622	1

17 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $375,345, contents $87,233, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	306	49	16.0%
All homes	15,454	71	0.5%

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

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.