Flood Claims Map

Texas

Flood insurance claims in Waller County, Texas

FEMA records 878 National Flood Insurance Program claims in Waller County, Texas, since 1978, with $44.0 million paid in total. The year with the most claims was 2017, with 334. As of 3 August 2026, 11.0% of homes here had an NFIP policy, and 31.5% of homes in the high-risk flood zone did.

NFIP claims on record878
Total paid$44.0 million
Claims with a payment750
Homes with NFIP policy11.0%
High-risk zone homes insured31.5%
Residential policies in force1,927

Claims by year of loss

1978: 219781979: 61980: 01981: 11982: 119821983: 21984: 11985: 61986: 119861987: 01988: 11989: 01990: 019901991: 01992: 31993: 01994: 3719941995: 01996: 01997: 31998: 7519981999: 02000: 42001: 132002: 920022003: 02004: 42005: 22006: 820062007: 32008: 32009: 52010: 020102011: 02012: 152013: 02014: 720142015: 232016: 2902017: 3342018: 020182019: 32020: 12021: 72022: 320222023: 02024: 5334

NFIP claims by year of loss, Waller County, Texas

1978: $16,28319781979: $88,9801980: $01981: $24,4591982: $14,50019821983: $36,6561984: $01985: $159,1661986: $2,40719861987: $01988: $33,0981989: $01990: $019901991: $01992: $3,0101993: $01994: $1.0 million19941995: $01996: $01997: $21,7661998: $1.7 million19981999: $02000: $1,6252001: $183,6732002: $139,45620022003: $02004: $77,8492005: $02006: $73,91120062007: $25,8932008: $2,5572009: $61,0562010: $020102011: $02012: $533,8702013: $02014: $103,09520142015: $710,2372016: $13.2 million2017: $25.5 million2018: $020182019: $41,1172020: $6,2062021: $201,7752022: $020222023: $02024: $10,047$25.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey330
Spring severe storms170
Early summer severe storms110
Flooding107
Tropical Storm Allison11
Early summer storms11
Tropical Storm Paul8
Spring Storm5

ZIP codes with the most claims

ZIP code (as reported)Claims
77423266
77447186
77484185
77493139
7744573
7744622
774663
774492
773551
774921

390 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $34.9 million, contents $9.2 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,48146631.5%
All homes17,5661,92711.0%

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.