Flood Claims Map

Texas

Flood insurance claims in Madison County, Texas

FEMA records 26 National Flood Insurance Program claims in Madison County, Texas, since 1979, with $451,898 paid in total. The year with the most claims was 2018, with 3. As of 3 August 2026, 0.6% of homes here had an NFIP policy.

NFIP claims on record26
Total paid$451,898
Claims with a payment22
Homes with NFIP policy0.6%
High-risk zone homes insuredn/a
Residential policies in force30

Claims by year of loss

1979: 119791980: 01981: 01982: 01983: 019831984: 01985: 01986: 01987: 019871988: 01989: 01990: 01991: 219911992: 01993: 21994: 21995: 019951996: 01997: 01998: 01999: 019992000: 02001: 22002: 22003: 120032004: 02005: 02006: 12007: 020072008: 12009: 02010: 02011: 020112012: 12013: 22014: 12015: 020152016: 22017: 12018: 32019: 120192020: 02021: 02022: 02023: 020232024: 13

NFIP claims by year of loss, Madison County, Texas

1979: $10,76519791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $32,05819911992: $01993: $15,1681994: $21,0421995: $019951996: $01997: $01998: $01999: $019992000: $02001: $5,7532002: $17,4312003: $020032004: $02005: $02006: $02007: $020072008: $43,0052009: $02010: $02011: $020112012: $19,0002013: $19,2922014: $32,0392015: $020152016: $60,7082017: $33,3002018: $125,1902019: $020192020: $02021: $02022: $02023: $020232024: $17,147$125,190

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

Named flood events with the most claims

Event (FEMA name)Claims
Fall 2018 Texas Flooding2
Flooding1
Hurricane Harvey1
Tropical Storm Claudette1
Early summer severe storms1
Hurricane Claudette1

ZIP codes with the most claims

ZIP code (as reported)Claims
7585214
778647
778723
778711
779821

13 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $416,716, contents $35,182, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone016n/a
All homes4,669300.6%

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.