Flood Claims Map

Texas

Flood insurance claims in Matagorda County, Texas

FEMA records 2,137 National Flood Insurance Program claims in Matagorda County, Texas, since 1979, with $24.8 million paid in total. The year with the most claims was 2017, with 304. As of 3 August 2026, 15.1% of homes here had an NFIP policy, and 33.3% of homes in the high-risk flood zone did.

NFIP claims on record2,137
Total paid$24.8 million
Claims with a payment1,549
Homes with NFIP policy15.1%
High-risk zone homes insured33.3%
Residential policies in force2,405

Claims by year of loss

1979: 21519791980: 271981: 1171982: 311983: 3719831984: 1691985: 61986: 41987: 1719871988: 31989: 151990: 11991: 7019911992: 61993: 171994: 141995: 3819951996: 31997: 51998: 1961999: 019992000: 12001: 172002: 952003: 24820032004: 262005: 42006: 132007: 1420072008: 882009: 02010: 92011: 020112012: 152013: 02014: 02015: 1220152016: 42017: 3042018: 52019: 7020192020: 52021: 812022: 02023: 320232024: 1232025: 9304

NFIP claims by year of loss, Matagorda County, Texas

1979: $730,53519791980: $51,6631981: $256,9081982: $137,8421983: $169,46119831984: $704,5931985: $1,0311986: $39,0881987: $23,41519871988: $2,8791989: $24,7871990: $01991: $371,10519911992: $16,4611993: $28,0571994: $96,5291995: $275,15819951996: $27,3791997: $33,4481998: $2.1 million1999: $019992000: $02001: $224,4582002: $1.2 million2003: $2.7 million20032004: $399,8552005: $4,8062006: $161,9172007: $242,50120072008: $663,0392009: $02010: $161,5652011: $020112012: $164,6662013: $02014: $02015: $115,16420152016: $22,0792017: $8.9 million2018: $57,6842019: $1.9 million20192020: $150,6972021: $868,1872022: $02023: $1,74120232024: $1.6 million2025: $187,204$8.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding733
Hurricane Harvey297
Hurricane Claudette235
Tropical Storm Claudette126
Hurricane Beryl115
Hurricane Ike86
Tropical Storm Nicholas59
Tropical Storm Imelda22

ZIP codes with the most claims

ZIP code (as reported)Claims
774141,270
77457400
77465191
7748284
7740440
7741925
7748317
7741512
774689
774809

1,404 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $19.1 million, contents $5.3 million, increased cost of compliance $384,325.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,5181,50433.3%
All homes15,9262,40515.1%

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.