Flood insurance claims in Menard County, Texas

FEMA records 38 National Flood Insurance Program claims in Menard County, Texas, since 1980, with $290,147 paid in total. The most claims in one year was 11, in 1980 and 1990. As of 3 August 2026, 5.9% of homes here had an NFIP policy.

NFIP claims on record38

Total paid$290,147

Claims with a payment27

Homes with NFIP policy5.9%

High-risk zone homes insuredn/a

Residential policies in force70

Claims by year of loss

NFIP claims by year of loss, Menard County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
2025 July Central TX Flooding	6
Spring severe storms	2
2026-07-Texas-Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
76859	33
76848	1

22 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $230,207, contents $59,940, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	67	n/a
All homes	1,194	70	5.9%

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.