Flood Claims Map

Texas

Flood insurance claims in Lavaca County, Texas

FEMA records 115 National Flood Insurance Program claims in Lavaca County, Texas, since 1980, with $1.5 million paid in total. The year with the most claims was 1981, with 33. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 17.0% of homes in the high-risk flood zone did.

NFIP claims on record115
Total paid$1.5 million
Claims with a payment94
Homes with NFIP policy1.5%
High-risk zone homes insured17.0%
Residential policies in force142

Claims by year of loss

1980: 119801981: 331982: 81983: 01984: 019841985: 01986: 01987: 181988: 019881989: 01990: 01991: 31992: 119921993: 21994: 111995: 01996: 119961997: 81998: 81999: 02000: 220002001: 22002: 12003: 02004: 220042005: 12006: 02007: 12008: 120082009: 62010: 02011: 02012: 120122013: 02014: 02015: 02016: 020162017: 32018: 02019: 02020: 020202021: 133

NFIP claims by year of loss, Lavaca County, Texas

1980: $019801981: $799,9071982: $2,8861983: $01984: $019841985: $01986: $01987: $3,4741988: $019881989: $01990: $01991: $3,9331992: $7,00019921993: $4,1111994: $16,8401995: $01996: $1,39819961997: $21,3141998: $65,1391999: $02000: $5,64420002001: $275,9812002: $14,0132003: $02004: $10,97520042005: $9452006: $02007: $4,5672008: $1,00020082009: $257,7672010: $02011: $02012: $020122013: $02014: $02015: $02016: $020162017: $02018: $02019: $02020: $020202021: $0$799,907

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding55
Hurricane Harvey3
Hurricane Ike1
Tropical Storm Allison1
Torrential rain1

ZIP codes with the most claims

ZIP code (as reported)Claims
77964102
779958
779844

79 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $798,068, contents $698,827, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4958417.0%
All homes9,4881421.5%

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

  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.