Flood insurance claims in Limestone County, Texas

FEMA records 291 National Flood Insurance Program claims in Limestone County, Texas, since 1979, with $4.8 million paid in total. The year with the most claims was 1991, with 35. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 15.9% of homes in the high-risk flood zone did.

NFIP claims on record291

Total paid$4.8 million

Claims with a payment256

Homes with NFIP policy0.7%

High-risk zone homes insured15.9%

Residential policies in force60

Claims by year of loss

NFIP claims by year of loss, Limestone County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	67
Spring Storm	31
Late winter severe storms	27
Fall severe storms	6
Early summer storms	3
Spring severe storms	3
Hurricane Alicia	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
76667	277
76642	9
75154	2
76665	2

183 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.7 million, contents $869,962, increased cost of compliance $212,905.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	201	32	15.9%
All homes	8,903	60	0.7%

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

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.