Flood Claims Map

Texas

Flood insurance claims in Smith County, Texas

FEMA records 311 National Flood Insurance Program claims in Smith County, Texas, since 1978, with $4.7 million paid in total. The year with the most claims was 1989, with 33. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 32.4% of homes in the high-risk flood zone did.

NFIP claims on record311
Total paid$4.7 million
Claims with a payment223
Homes with NFIP policy0.6%
High-risk zone homes insured32.4%
Residential policies in force458

Claims by year of loss

1978: 119781979: 101980: 31981: 61982: 119821983: 01984: 11985: 281986: 1619861987: 101988: 01989: 331990: 319901991: 11992: 51993: 01994: 119941995: 51996: 21997: 01998: 419981999: 62000: 82001: 62002: 120022003: 12004: 02005: 02006: 020062007: 182008: 112009: 32010: 1020102011: 22012: 22013: 22014: 820142015: 232016: 272017: 102018: 520182019: 62020: 62021: 52022: 020222023: 22024: 142025: 533

NFIP claims by year of loss, Smith County, Texas

1978: $15,77919781979: $76,8261980: $30,1311981: $11,5841982: $019821983: $01984: $1,2671985: $380,1231986: $185,96619861987: $42,4371988: $01989: $64,2311990: $2,01419901991: $01992: $28,1661993: $01994: $5,63119941995: $51,8051996: $01997: $01998: $70,82219981999: $15,1612000: $66,2392001: $99,7612002: $4,46820022003: $3,4882004: $02005: $02006: $020062007: $373,1962008: $136,6732009: $9,6902010: $161,52520102011: $18,4852012: $11,2642013: $40,7792014: $48,26620142015: $757,1742016: $715,8722017: $19,8932018: $167,31120182019: $94,2022020: $140,4092021: $256,5892022: $020222023: $13,5292024: $514,9282025: $60,585$757,174

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding29
Late winter severe storms17
Tropical Storm Claudette7
Hurricane Harvey7
Thunderstorms4
Hurricane Allen3
Tropical Storm Allison1
Early summer storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
7570384
7570282
7570156
7576217
7579113
7577113
757078
757047
757577
757897

156 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.7 million, contents $1.0 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone69522532.4%
All homes79,6344580.6%

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.