Flood insurance claims in Stephens County, Texas

FEMA records 68 National Flood Insurance Program claims in Stephens County, Texas, since 1978, with $896,143 paid in total. The year with the most claims was 1996, with 24. As of 3 August 2026, 2.7% of homes here had an NFIP policy.

NFIP claims on record68

Total paid$896,143

Claims with a payment60

Homes with NFIP policy2.7%

High-risk zone homes insuredn/a

Residential policies in force89

Claims by year of loss

NFIP claims by year of loss, Stephens County, Texas

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early summer severe storms	15
Flooding	13
Thunderstorms	7

ZIP codes with the most claims

ZIP code (as reported)	Claims
76424	58
76024	10

52 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $661,137, contents $235,006, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	34	78	n/a
All homes	3,264	89	2.7%

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.