Flood Claims Map

Texas

Flood insurance claims in Montgomery County, Texas

FEMA records 13,035 National Flood Insurance Program claims in Montgomery County, Texas, since 1978, with $633.8 million paid in total. The year with the most claims was 2017, with 2,445. As of 3 August 2026, 10.7% of homes here had an NFIP policy, and 35.5% of homes in the high-risk flood zone did.

NFIP claims on record13,035
Total paid$633.8 million
Claims with a payment11,305
Homes with NFIP policy10.7%
High-risk zone homes insured35.5%
Residential policies in force21,232

Claims by year of loss

1978: 15719781979: 9981980: 181981: 921982: 5519821983: 3901984: 681985: 1481986: 4919861987: 2151988: 41989: 3971990: 919901991: 461992: 351993: 711994: 1,14919941995: 401996: 101997: 591998: 83119981999: 62000: 132001: 5832002: 20620022003: 902004: 682005: 282006: 15120062007: 302008: 4542009: 1262010: 820102011: 02012: 1442013: 42014: 5220142015: 1152016: 1,6602017: 2,4452018: 5020182019: 1,2972020: 132021: 532022: 720222023: 422024: 5032025: 192026: 2720262,445

NFIP claims by year of loss, Montgomery County, Texas

1978: $939,83119781979: $11.7 million1980: $30,0861981: $355,7201982: $255,63719821983: $4.8 million1984: $276,8301985: $1.5 million1986: $535,60419861987: $1.2 million1988: $5,4231989: $6.5 million1990: $59,94419901991: $166,1751992: $182,6341993: $836,0421994: $57.9 million19941995: $371,7621996: $53,5531997: $549,5771998: $23.9 million19981999: $10,6982000: $34,9252001: $16.6 million2002: $5.0 million20022003: $1.2 million2004: $885,6502005: $218,0912006: $3.0 million20062007: $313,3552008: $12.4 million2009: $3.4 million2010: $13,76720102011: $02012: $3.9 million2013: $1,1882014: $1.2 million20142015: $2.2 million2016: $91.4 million2017: $248.9 million2018: $960,59720182019: $90.2 million2020: $88,9302021: $465,0162022: $020222023: $1.0 million2024: $36.4 million2025: $720,7042026: $1.2 million2026$248.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding2,994
Hurricane Harvey2,401
Early summer severe storms1,126
Tropical Storm Imelda1,033
Tropical Storm Allison589
Spring severe storms491
Hurricane Ike429
Texas Spring Flooding400

ZIP codes with the most claims

ZIP code (as reported)Claims
773021,752
773571,552
773801,353
773861,343
773651,342
773851,022
77354529
77372503
77356494
77304475

5,232 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $499.6 million, contents $133.2 million, increased cost of compliance $1.0 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone7,2082,55935.5%
All homes198,52721,23210.7%

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

  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.