Flood insurance claims in Somervell County, Texas

FEMA records 34 National Flood Insurance Program claims in Somervell County, Texas, since 1981, with $632,590 paid in total. The year with the most claims was 2007, with 6. As of 3 August 2026, 1.4% of homes here had an NFIP policy.

NFIP claims on record34

Total paid$632,590

Claims with a payment27

Homes with NFIP policy1.4%

High-risk zone homes insuredn/a

Residential policies in force47

Claims by year of loss

NFIP claims by year of loss, Somervell County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	9
Thunderstorms	4
Early summer severe storms	3
Late winter severe storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
76043	25
76048	5
76077	3
76070	1

24 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $432,828, contents $199,762, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	36	n/a
All homes	3,469	47	1.4%

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.