Flood risk in Texas
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
182
of 204 reporting
Total NFIP claims
81,629
Total claims paid
$4,781,077,644
Active policies
70,656
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Aransas County130.39 / 1k
- 2.Orange County116.07 / 1k
- 3.Jefferson County60.72 / 1k
- 4.Newton County44.29 / 1k
- 5.Galveston County41.01 / 1k
- 6.Chambers County39.19 / 1k
- 7.Hardin County28.21 / 1k
- 8.Brazoria County27.05 / 1k
- 9.Kenedy County26.32 / 1k
- 10.Liberty County24.69 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Gillespie County0.09 / 1k
- 2.Collin County0.20 / 1k
- 3.Upshur County0.20 / 1k
- 4.Potter County0.26 / 1k
- 5.Cass County0.26 / 1k
- 6.Hale County0.27 / 1k
- 7.Wood County0.28 / 1k
- 8.Hopkins County0.29 / 1k
- 9.Milam County0.31 / 1k
- 10.Midland County0.34 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- County38,775 claims · high
- County5,659 claims · very-high
- County5,547 claims · high
- County3,630 claims · very-high
- County3,443 claims · high
- County3,317 claims · high
- County2,936 claims · high
- County2,466 claims · high
- County1,562 claims · moderate
- County1,488 claims · very-high
- County1,310 claims · moderate
- County989 claims · moderate
- County714 claims · high
- County617 claims · high
- County588 claims · high
- County470 claims · moderate
- County453 claims · low
- County432 claims · low
- County366 claims · high
- County354 claims · high
- County347 claims · high
- County337 claims · high
- County330 claims · low
- County239 claims · moderate
- County228 claims · high
- County212 claims · high
- County200 claims · moderate
- County192 claims · high
- County185 claims · high
- County178 claims · low
- County153 claims · moderate
- County142 claims · low
- County140 claims · moderate
- County139 claims · moderate
- County129 claims · high
- County126 claims · moderate
- County115 claims · low
- County107 claims · moderate
- County97 claims · moderate
- County91 claims · high
- County87 claims · low
- County86 claims · moderate
- County77 claims · moderate
- County77 claims · moderate
- County76 claims · low
- County70 claims · moderate
- County70 claims · moderate
- County70 claims · moderate
- County68 claims · moderate
- County64 claims · moderate
- County63 claims · low
- County60 claims · moderate
- County58 claims · moderate
- County56 claims · moderate
- County54 claims · low
- County54 claims · moderate
- County53 claims · moderate
- County51 claims · low
- County51 claims · moderate
- County49 claims · moderate
- County49 claims · low
- County49 claims · moderate
- County47 claims · moderate
- County46 claims · low
- County41 claims · moderate
- County40 claims · moderate
- County40 claims · low
- County40 claims · low
- County39 claims · low
- County38 claims · moderate
- County36 claims · moderate
- County36 claims · moderate
- County33 claims · high
- County32 claims · moderate
- County32 claims · moderate
- County31 claims · low
- County30 claims · moderate
- County30 claims · moderate
- County29 claims · moderate
- County29 claims · moderate
- County29 claims · high
- County28 claims · moderate
- County28 claims · low
- County27 claims · moderate
- County27 claims · moderate
- County22 claims · low
- County21 claims · moderate
- County21 claims · moderate
- County21 claims · moderate
- County20 claims · moderate
- County20 claims · moderate
- County19 claims · moderate
- County19 claims · low
- County18 claims · low
- County18 claims · moderate
- County17 claims · low
- County17 claims · moderate
- County17 claims · moderate
- County16 claims · moderate
- County16 claims · low
- County14 claims · moderate
- County13 claims · moderate
- County13 claims · moderate
- County13 claims · moderate
- County12 claims · low
- County12 claims · low
- County11 claims · moderate
- County11 claims · high
- County11 claims · moderate
- County11 claims · low
- County10 claims · moderate
- County10 claims · low
- County9 claims · low
- County8 claims · moderate
- County8 claims · low
- County8 claims · moderate
- County8 claims · moderate
- County8 claims · low
- County7 claims · moderate
- County7 claims · low
- County6 claims · moderate
- County6 claims · low
- County6 claims · low
- County6 claims · moderate
- County6 claims · low
- County6 claims · low
- County6 claims · moderate
- County5 claims · moderate
- County5 claims · low
- County5 claims · low
- County5 claims · low
- County4 claims · low
- County4 claims · moderate
- County4 claims · moderate
- County4 claims · moderate
- County4 claims · moderate
- County4 claims · low
- County4 claims · moderate
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County3 claims · low
- County2 claims · low
- County2 claims · low
- County2 claims · moderate
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- County2 claims · low
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- County1 claims · moderate
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How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.