Flood Claims Map

Texas

Flood insurance claims in Wharton County, Texas

FEMA records 1,166 National Flood Insurance Program claims in Wharton County, Texas, since 1979, with $52.0 million paid in total. The year with the most claims was 2017, with 488. As of 3 August 2026, 10.0% of homes here had an NFIP policy, and 21.8% of homes in the high-risk flood zone did.

NFIP claims on record1,166
Total paid$52.0 million
Claims with a payment982
Homes with NFIP policy10.0%
High-risk zone homes insured21.8%
Residential policies in force1,617

Claims by year of loss

1979: 819791980: 41981: 01982: 11983: 1519831984: 11985: 01986: 01987: 119871988: 01989: 01990: 21991: 519911992: 61993: 01994: 461995: 119951996: 01997: 111998: 591999: 019992000: 42001: 112002: 732003: 1020032004: 2062005: 32006: 02007: 320072008: 42009: 32010: 12011: 020112012: 02013: 12014: 22015: 3820152016: 762017: 4882018: 22019: 6720192020: 02021: 32022: 12023: 220232024: 72025: 02026: 1488

NFIP claims by year of loss, Wharton County, Texas

1979: $24,21619791980: $13,8651981: $01982: $1,6071983: $55,97319831984: $1,6401985: $01986: $01987: $2,58919871988: $01989: $01990: $8481991: $3,60419911992: $10,4421993: $01994: $411,2041995: $019951996: $01997: $49,5731998: $1.6 million1999: $019992000: $5,6822001: $143,4102002: $731,5622003: $33,74220032004: $5.5 million2005: $13,4902006: $02007: $1,14720072008: $25,7022009: $16,4952010: $13,9512011: $020112012: $02013: $6,5672014: $10,8812015: $1.2 million20152016: $2.5 million2017: $36.6 million2018: $02019: $2.9 million20192020: $02021: $45,1372022: $14,4292023: $8,10120232024: $19,2572025: $02026: $0$36.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey484
Flooding184
Spring severe storms61
Tropical Storm Bill27
Early summer severe storms8
Hurricane Beryl7
Hurricane Allen4
Heavy rains4

ZIP codes with the most claims

ZIP code (as reported)Claims
77488694
77437239
77435111
7742060
7745529
7744310
774349
774485
774855
774531

897 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $44.3 million, contents $7.1 million, increased cost of compliance $485,837.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,7271,02921.8%
All homes16,2101,61710.0%

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.