Flood insurance claims in Refugio County, Texas

FEMA records 122 National Flood Insurance Program claims in Refugio County, Texas, since 1978, with $2.0 million paid in total. The year with the most claims was 2017, with 40. As of 3 August 2026, 3.3% of homes here had an NFIP policy, and 18.6% of homes in the high-risk flood zone did.

NFIP claims on record122

Total paid$2.0 million

Claims with a payment80

Homes with NFIP policy3.3%

High-risk zone homes insured18.6%

Residential policies in force101

Claims by year of loss

NFIP claims by year of loss, Refugio County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Harvey	39
Hurricane Allen	7
Flooding	6
Thunderstorms	5
Hurricane Ike	2
Hurricane Claudette	2
Tropical Storm Bill	1
Hurricane Hanna	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
78377	42
78340	29
78393	20
77950	11
77990	10
77057	4
78711	2
78387	1

49 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.5 million, contents $440,387, increased cost of compliance $57,705.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	156	29	18.6%
All homes	3,038	101	3.3%

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.