Flood Claims Map

Texas

Flood insurance claims in Polk County, Texas

FEMA records 346 National Flood Insurance Program claims in Polk County, Texas, since 1979, with $10.1 million paid in total. The year with the most claims was 2024, with 70. As of 3 August 2026, 2.5% of homes here had an NFIP policy, and 25.3% of homes in the high-risk flood zone did.

NFIP claims on record346
Total paid$10.1 million
Claims with a payment258
Homes with NFIP policy2.5%
High-risk zone homes insured25.3%
Residential policies in force549

Claims by year of loss

1979: 219791980: 01981: 31982: 01983: 019831984: 01985: 01986: 01987: 019871988: 01989: 21990: 31991: 419911992: 61993: 11994: 331995: 119951996: 11997: 31998: 131999: 1919992000: 12001: 112002: 22003: 020032004: 312005: 52006: 122007: 120072008: 182009: 92010: 02011: 120112012: 42013: 22014: 12015: 820152016: 212017: 352018: 102019: 420192020: 02021: 62022: 02023: 020232024: 702025: 370

NFIP claims by year of loss, Polk County, Texas

1979: $44,68219791980: $01981: $17,9431982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $135,4571990: $69,2361991: $35,86619911992: $45,3711993: $8,7781994: $643,0831995: $10,63419951996: $12,6001997: $9,7151998: $114,9331999: $416,56019992000: $02001: $173,8412002: $12,8732003: $020032004: $776,5252005: $2902006: $561,7572007: $020072008: $119,6432009: $54,6722010: $02011: $020112012: $106,3852013: $30,9402014: $3,4842015: $348,63820152016: $429,2622017: $1.4 million2018: $107,3622019: $80,57320192020: $02021: $179,9462022: $02023: $020232024: $4.0 million2025: $97,784$4.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Texas Spring Flooding59
Flooding43
Hurricane Harvey33
Hurricane Ike17
Tropical Storm Paul11
Early summer severe storms10
Tropical Storm Allison6
Hurricane Rita4

ZIP codes with the most claims

ZIP code (as reported)Claims
77351205
7733572
7736040
7593917
773266
773504
773271
773551

189 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.9 million, contents $2.2 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,53838925.3%
All homes22,0215492.5%

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.