Flood Claims Map

Texas

Flood insurance claims in Orange County, Texas

FEMA records 12,876 National Flood Insurance Program claims in Orange County, Texas, since 1978, with $1.04 billion paid in total. The year with the most claims was 2017, with 4,395. As of 3 August 2026, 29.8% of homes here had an NFIP policy.

NFIP claims on record12,876
Total paid$1.04 billion
Claims with a payment11,091
Homes with NFIP policy29.8%
High-risk zone homes insuredn/a
Residential policies in force11,071

Claims by year of loss

1978: 219781979: 1761980: 1781981: 71982: 12019821983: 311984: 71985: 41986: 1719861987: 111988: 21989: 1521990: 219901991: 591992: 191993: 121994: 12219941995: 261996: 421997: 41998: 8619981999: 42000: 82001: 792002: 32220022003: 502004: 72005: 6432006: 14620062007: 432008: 3,4162009: 102010: 520102011: 52012: 562013: 72014: 3620142015: 172016: 1672017: 4,3952018: 2920182019: 2,1672020: 892021: 192022: 1020222023: 102024: 312025: 32026: 2320264,395

NFIP claims by year of loss, Orange County, Texas

1978: $32919781979: $695,1461980: $524,3441981: $6,3641982: $622,23219821983: $53,9271984: $13,8941985: $1,9981986: $21,91719861987: $32,5851988: $5,4521989: $1.1 million1990: $019901991: $291,0251992: $142,3691993: $41,4421994: $1.2 million19941995: $160,1101996: $494,2801997: $20,9851998: $720,04119981999: $9,6042000: $11,2902001: $647,7562002: $4.9 million20022003: $491,0442004: $35,0472005: $7.0 million2006: $3.0 million20062007: $468,1142008: $353.4 million2009: $25,9862010: $020102011: $8482012: $1.0 million2013: $61,4682014: $586,22520142015: $123,5482016: $6.9 million2017: $466.6 million2018: $426,01020182019: $189.1 million2020: $664,8322021: $138,5522022: $101,26320222023: $131,3562024: $1.2 million2025: $02026: $935,5122026$466.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey4,343
Hurricane Ike3,391
Tropical Storm Imelda2,140
Hurricane Rita612
Flooding526
Heavy rains293
Late winter severe storms141
Tropical Storm Paul129

ZIP codes with the most claims

ZIP code (as reported)Claims
776303,721
776623,587
776113,345
776322,130
7762626
7763122
7767014
776129
776398
776382

4,195 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $741.6 million, contents $301.6 million, increased cost of compliance $809,902.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone04,579n/a
All homes37,13611,07129.8%

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.