Flood insurance claims in Texas by county
FEMA records 392,075 NFIP claims in Texas's counties, with $17.40 billion paid. As of 3 August 2026, 504,754 NFIP residential policies were in force, equal to 5.8% of the state's residential structures.
| Harris County | 170,854 | $8.76 billion | 16.6% |
| Galveston County | 60,620 | $2.47 billion | 42.2% |
| Jefferson County | 22,715 | $1.19 billion | 22.0% |
| Brazoria County | 21,436 | $631.8 million | 22.5% |
| Montgomery County | 13,035 | $633.8 million | 10.7% |
| Orange County | 12,876 | $1.04 billion | 29.8% |
| Nueces County | 8,673 | $186.7 million | 17.4% |
| Fort Bend County | 7,389 | $450.9 million | 15.4% |
| Cameron County | 7,061 | $184.7 million | 9.7% |
| Travis County | 4,418 | $114.9 million | 2.0% |
| Hidalgo County | 4,405 | $117.9 million | 3.7% |
| Aransas County | 4,128 | $64.3 million | 25.5% |
| Tarrant County | 3,569 | $61.6 million | 0.9% |
| Dallas County | 3,457 | $69.5 million | 0.8% |
| Liberty County | 3,306 | $109.2 million | 5.9% |
| Guadalupe County | 2,456 | $109.5 million | 3.6% |
| Hardin County | 2,405 | $191.1 million | 12.2% |
| Bexar County | 2,309 | $33.8 million | 0.8% |
| Matagorda County | 2,137 | $24.8 million | 15.1% |
| Chambers County | 2,096 | $129.5 million | 22.7% |
| San Patricio County | 1,981 | $19.8 million | 9.0% |
| Hays County | 1,489 | $71.7 million | 2.3% |
| Wichita County | 1,295 | $19.9 million | 1.3% |
| Comal County | 1,223 | $60.8 million | 2.4% |
| Wharton County | 1,166 | $52.0 million | 10.0% |
| Taylor County | 936 | $15.6 million | 3.8% |
| Waller County | 878 | $44.0 million | 11.0% |
| Calhoun County | 831 | $8.0 million | 14.4% |
| El Paso County | 780 | $6.3 million | 1.1% |
| Victoria County | 744 | $11.3 million | 2.8% |
| Grayson County | 743 | $18.3 million | 0.5% |
| Williamson County | 741 | $22.3 million | 1.1% |
| Llano County | 693 | $20.0 million | 7.1% |
| Burnet County | 626 | $24.8 million | 5.0% |
| Brazos County | 569 | $7.6 million | 2.0% |
| Denton County | 563 | $10.5 million | 0.7% |
| Newton County | 552 | $28.0 million | 4.5% |
| Brown County | 533 | $9.6 million | 2.2% |
| Willacy County | 522 | $5.0 million | 9.7% |
| Bell County | 499 | $14.4 million | 0.7% |
| San Jacinto County | 491 | $10.2 million | 2.3% |
| McLennan County | 393 | $6.7 million | 1.0% |
| Walker County | 392 | $15.6 million | 2.3% |
| Potter County | 387 | $5.4 million | 0.4% |
| Kerr County | 373 | $21.7 million | 2.4% |
| Cooke County | 370 | $10.5 million | 1.0% |
| Collin County | 357 | $5.3 million | 0.5% |
| Lubbock County | 346 | $2.7 million | 0.7% |
| Polk County | 346 | $10.1 million | 2.5% |
| Johnson County | 333 | $4.9 million | 0.8% |
| Bastrop County | 331 | $9.9 million | 1.3% |
| Angelina County | 328 | $5.4 million | 0.9% |
| Randall County | 328 | $3.3 million | 0.6% |
| Austin County | 327 | $14.3 million | 3.9% |
| Smith County | 311 | $4.7 million | 0.6% |
| Limestone County | 291 | $4.8 million | 0.7% |
| Kleberg County | 279 | $2.2 million | 4.6% |
| Parker County | 278 | $4.5 million | 1.0% |
| Webb County | 269 | $6.8 million | 0.7% |
| Harrison County | 260 | $5.7 million | 0.5% |
| Kendall County | 253 | $4.5 million | 2.6% |
| Bowie County | 242 | $5.2 million | 0.7% |
| Nacogdoches County | 241 | $4.1 million | 0.6% |
| Gregg County | 239 | $4.0 million | 0.6% |
| Jackson County | 232 | $3.4 million | 6.5% |
| Jasper County | 228 | $7.5 million | 2.4% |
| DeWitt County | 227 | $5.9 million | 2.4% |
| Gonzales County | 219 | $6.4 million | 1.7% |
| Bandera County | 218 | $5.9 million | 2.0% |
| Tom Green County | 206 | $6.5 million | 1.4% |
| Ector County | 187 | $2.5 million | 1.5% |
| Jim Wells County | 187 | $1.6 million | 2.9% |
| Tyler County | 187 | $3.9 million | 1.1% |
| Brooks County | 185 | $1.2 million | 3.3% |
| Caldwell County | 180 | $7.4 million | 1.4% |
| Hood County | 179 | $3.6 million | 1.7% |
| Haskell County | 176 | $2.3 million | 1.9% |
| Eastland County | 171 | $5.1 million | 0.8% |
| Val Verde County | 163 | $3.6 million | 1.1% |
| Maverick County | 162 | $5.6 million | 0.7% |
| Ellis County | 159 | $6.0 million | 0.8% |
| Medina County | 148 | $3.7 million | 1.9% |
| Midland County | 145 | $1.6 million | 1.9% |
| Trinity County | 140 | $2.5 million | 0.5% |
| Lamar County | 139 | $2.6 million | 0.7% |
| Fayette County | 133 | $8.4 million | 1.4% |
| Uvalde County | 130 | $6.7 million | 2.0% |
| Refugio County | 122 | $2.0 million | 3.3% |
| Jones County | 119 | $4.0 million | 1.2% |
| Lavaca County | 115 | $1.5 million | 1.5% |
| Navarro County | 108 | $2.6 million | 0.7% |
| Palo Pinto County | 97 | $1.4 million | 1.0% |
| Wise County | 94 | $2.5 million | 0.5% |
| Bee County | 90 | $1.3 million | 2.9% |
| Henderson County | 90 | $3.4 million | 0.6% |
| Grimes County | 89 | $1.4 million | 2.0% |
| Starr County | 84 | $2.0 million | 0.9% |
| Young County | 84 | $497,996 | 0.7% |
| Colorado County | 83 | $4.4 million | 3.4% |
| Kaufman County | 77 | $2.1 million | 0.5% |
| Montague County | 77 | $1.5 million | 0.8% |
| Coryell County | 72 | $1.1 million | 0.5% |
| Washington County | 71 | $1.7 million | 1.4% |
| Wilson County | 71 | $2.0 million | 0.9% |
| Stephens County | 68 | $896,143 | 2.7% |
| Cherokee County | 66 | $624,674 | 0.5% |
| Burleson County | 63 | $1.5 million | 1.0% |
| Hunt County | 63 | $1.6 million | 0.4% |
| Rusk County | 62 | $382,554 | 0.3% |
| Rockwall County | 61 | $1.5 million | 0.5% |
| Fannin County | 60 | $1.7 million | 1.0% |
| Real County | 60 | $683,892 | 6.3% |
| Live Oak County | 56 | $928,041 | 2.0% |
| Nolan County | 56 | $1.1 million | 1.0% |
| Robertson County | 53 | $1.5 million | 1.8% |
| Clay County | 48 | $1.7 million | 0.8% |
| Zavala County | 47 | $776,416 | 1.4% |
| Marion County | 46 | $689,545 | 0.3% |
| Blanco County | 43 | $2.5 million | 1.4% |
| Bosque County | 43 | $1.5 million | 0.8% |
| Lampasas County | 43 | $754,964 | 1.3% |
| Van Zandt County | 40 | $1.6 million | 0.5% |
| Menard County | 38 | $290,147 | 5.9% |
| Atascosa County | 36 | $515,901 | 0.6% |
| Hopkins County | 36 | $304,193 | 0.4% |
| Somervell County | 34 | $632,590 | 1.4% |
| Hill County | 31 | $462,578 | 0.5% |
| Howard County | 31 | $479,763 | 0.4% |
| Cass County | 30 | $773,271 | 0.2% |
| Sutton County | 30 | $894,365 | 0.7% |
| Houston County | 28 | $382,770 | 0.8% |
| San Saba County | 28 | $1.3 million | 3.7% |
| Madison County | 26 | $451,898 | 0.6% |
| Lee County | 25 | $648,003 | 0.4% |
| Archer County | 24 | $889,400 | 1.1% |
| Shackelford County | 23 | $114,125 | 1.0% |
| Erath County | 21 | $669,650 | 0.4% |
| Anderson County | 19 | $292,990 | 0.3% |
| Gillespie County | 19 | $738,287 | 1.2% |
| La Salle County | 19 | $114,353 | 0.1% |
| Kimble County | 18 | $389,410 | 1.8% |
| Duval County | 17 | $299,157 | 0.5% |
| Freestone County | 17 | $587,394 | 0.3% |
| Goliad County | 16 | $423,704 | 1.5% |
| Hockley County | 15 | $131,533 | 0.5% |
| Karnes County | 15 | $104,656 | 0.4% |
| Milam County | 15 | $200,324 | 0.4% |
| Yoakum County | 14 | $72,632 | 1.0% |
| Coleman County | 13 | $138,505 | 0.3% |
| Franklin County | 13 | $326,267 | 0.2% |
| Hale County | 13 | $34,353 | 0.5% |
| Terry County | 13 | $84,444 | 0.2% |
| Brewster County | 12 | $52,172 | 2.8% |
| Comanche County | 12 | $73,495 | 0.4% |
| Dimmit County | 11 | $475,989 | 0.6% |
| Jim Hogg County | 11 | $37,056 | 0.6% |
| Wood County | 11 | $154,534 | 0.3% |
| Dawson County | 10 | $142,603 | 0.3% |
| Deaf Smith County | 10 | $33,018 | 0.1% |
| Gaines County | 10 | $57,753 | 0.1% |
| Wilbarger County | 10 | $186,914 | 0.3% |
| Falls County | 9 | $177,685 | 0.0% |
| Fisher County | 8 | $66,590 | 0.0% |
| Leon County | 8 | $129,758 | 0.4% |
| Rains County | 8 | $254,885 | 0.2% |
| Upshur County | 8 | $180,912 | 0.2% |
| Donley County | 7 | $7,175 | 0.3% |
| Kinney County | 7 | $158,781 | 0.7% |
| Panola County | 7 | $67,166 | 0.1% |
| Zapata County | 7 | $97,639 | 0.5% |
| Callahan County | 6 | $46,080 | 0.2% |
| Frio County | 6 | $56,860 | 0.1% |
| Jack County | 6 | $284,487 | 0.2% |
| Lipscomb County | 6 | $237,845 | 0.9% |
| Mitchell County | 6 | $52,900 | 0.1% |
| Runnels County | 6 | $140,237 | 0.2% |
| San Augustine County | 6 | $82,283 | 0.9% |
| Scurry County | 6 | $14,106 | 0.1% |
| Shelby County | 6 | $99,026 | 0.2% |
| Titus County | 6 | $248,879 | 0.2% |
| Mason County | 5 | $119,062 | 0.5% |
| Morris County | 5 | $26,907 | 0.3% |
| Sabine County | 5 | $25,639 | 0.1% |
| Collingsworth County | 4 | $17,316 | 1.4% |
| Baylor County | 3 | $22,602 | 0.4% |
| Camp County | 3 | $6,887 | 0.0% |
| Carson County | 3 | $36,311 | 0.3% |
| Crockett County | 3 | $26,662 | 1.0% |
| Dallam County | 3 | $884 | 0.3% |
| Gray County | 3 | $5,051 | 0.0% |
| Presidio County | 3 | $24,032 | 0.6% |
| Terrell County | 3 | $5,159 | 0.3% |
| Throckmorton County | 3 | $158,552 | 0.1% |
| Hall County | 2 | $2,761 | 0.1% |
| Hamilton County | 2 | $5,523 | 0.1% |
| Hutchinson County | 2 | $14,515 | 0.1% |
| Irion County | 2 | $13,410 | 0.7% |
| McMullen County | 2 | $642 | 1.9% |
| Reeves County | 2 | $1,020 | 0.3% |
| Childress County | 1 | $7,800 | 0.0% |
| Concho County | 1 | $26,345 | 0.1% |
| Crosby County | 1 | $32,519 | 0.3% |
| Culberson County | 1 | $63,112 | 0.5% |
| Delta County | 1 | $2,841 | 0.0% |
| Garza County | 1 | $11,853 | 0.1% |
| Hansford County | 1 | $966 | 0.0% |
| Hartley County | 1 | $3,535 | 0.1% |
| Hudspeth County | 1 | $245,314 | 0.4% |
| Kenedy County | 1 | $59,328 | 0.8% |
| Lamb County | 1 | $0 | 0.1% |
| Lynn County | 1 | $21,727 | 0.0% |
| Martin County | 1 | $390 | 0.4% |
| McCulloch County | 1 | $18,990 | 0.5% |
| Schleicher County | 1 | $0 | 0.1% |
| Stonewall County | 1 | $5,952 | 0.0% |
| Swisher County | 1 | $9,064 | 0.4% |
| Wheeler County | 1 | $29,964 | 0.3% |
| Andrews County | 0 | $0 | 0.0% |
| Armstrong County | 0 | $0 | 0.0% |
| Bailey County | 0 | $0 | 0.5% |
| Borden County | 0 | $0 | 0.0% |
| Briscoe County | 0 | $0 | 0.0% |
| Castro County | 0 | $0 | 0.2% |
| Cochran County | 0 | $0 | 0.1% |
| Coke County | 0 | $0 | 0.3% |
| Cottle County | 0 | $0 | 0.0% |
| Crane County | 0 | $0 | 0.0% |
| Dickens County | 0 | $0 | 0.0% |
| Edwards County | 0 | $0 | 0.0% |
| Floyd County | 0 | $0 | 0.0% |
| Foard County | 0 | $0 | 0.1% |
| Glasscock County | 0 | $0 | 0.0% |
| Hardeman County | 0 | $0 | 0.0% |
| Hemphill County | 0 | $0 | 0.0% |
| Jeff Davis County | 0 | $0 | 0.7% |
| Kent County | 0 | $0 | 0.0% |
| King County | 0 | $0 | 0.0% |
| Knox County | 0 | $0 | 0.1% |
| Loving County | 0 | $0 | 0.0% |
| Mills County | 0 | $0 | 0.1% |
| Moore County | 0 | $0 | 0.1% |
| Motley County | 0 | $0 | 0.0% |
| Ochiltree County | 0 | $0 | 0.0% |
| Oldham County | 0 | $0 | 0.0% |
| Parmer County | 0 | $0 | 0.0% |
| Pecos County | 0 | $0 | 0.2% |
| Reagan County | 0 | $0 | 0.0% |
| Red River County | 0 | $0 | 0.0% |
| Roberts County | 0 | $0 | 0.0% |
| Sherman County | 0 | $0 | 0.0% |
| Sterling County | 0 | $0 | 0.0% |
| Upton County | 0 | $0 | 0.0% |
| Ward County | 0 | $0 | 0.1% |
| Winkler County | 0 | $0 | 0.0% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.