klepZ HighWater

Flood history / Texas

Texas
flood claim history.

ZIP codes393100+ paid claims each
Paid claims365,8591978–2026
Total paid$16.9BNational Flood Insurance Program
Outside high-risk zone51%of claims with a rated zone

Across the 393 Texas ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $16.9B on 365,859 claims between 1978 and 2026. ZIP 77539 in Galveston County carries the most at 8,375, 2.3% of the state total shown here.

The events driving the most paid claims across these ZIPs are Hurricane Harvey (87,542 claims), Hurricane Ike (35,000 claims) and Tropical Storm Allison (24,795 claims).

51.3% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.

Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.

Every Texas ZIP code on file

ZIPCountyPaid claimsTotal paidHeaviest year
77539 Galveston County 8,375 $456.6M 2017 2,597
77550 Galveston County 8,118 $319.5M 2008 5,398
77554 Galveston County 6,963 $144.2M 2008 4,869
77089 Harris County 6,744 $249.9M 2017 2,246
77551 Galveston County 6,508 $358.5M 2008 3,832
77096 Harris County 6,481 $694.7M 2017 2,550
77546 Galveston County 6,059 $402.2M 2017 1,854
77571 Harris County 4,801 $170.5M 2008 1,377
77586 Harris County 4,792 $161.1M 2008 1,644
77088 Harris County 4,663 $175.0M 2001 1,315
77573 Galveston County 4,382 $198.4M 2017 1,683
77642 Jefferson County 4,365 $322.4M 2017 2,196
77037 Harris County 4,198 $149.7M 2017 964
77040 Harris County 4,160 $160.9M 2001 1,525
77563 Galveston County 4,023 $92.8M 2008 1,369
77541 Brazoria County 3,841 $52.1M 2008 1,061
77630 Orange County 3,727 $279.5M 2017 1,535
77511 Brazoria County 3,655 $104.5M 1979 1,364
78382 Aransas County 3,633 $59.0M 2017 2,320
77662 Orange County 3,603 $236.4M 2019 1,224
77581 Brazoria County 3,544 $136.0M 2017 969
77034 Harris County 3,525 $117.9M 2017 1,146
77650 Galveston County 3,493 $299.4M 2008 2,585
78373 Nueces County 3,486 $144.8M 2017 3,087
77079 Harris County 3,384 $430.1M 2017 1,757
77611 Orange County 3,346 $320.1M 2008 1,892
77401 Harris County 3,303 $255.3M 2017 2,108
77339 Harris County 3,219 $327.9M 2017 860
77705 Jefferson County 3,200 $211.1M 2019 1,041
77024 Harris County 3,145 $201.8M 2017 889
77565 Galveston County 3,106 $87.4M 2008 982
77025 Harris County 3,059 $260.9M 2017 1,365
77084 Harris County 3,058 $272.4M 2017 1,598
77093 Harris County 2,977 $78.5M 2001 747
77074 Harris County 2,828 $176.7M 2017 1,163
77429 Harris County 2,751 $219.5M 2017 1,211
77039 Harris County 2,643 $109.5M 2017 731
77590 Galveston County 2,633 $17.0M 1981 657
77640 Jefferson County 2,492 $118.4M 2017 997
77515 Brazoria County 2,476 $98.1M 2017 792
77632 Orange County 2,355 $218.6M 2017 1,217
77521 Harris County 2,098 $143.2M 2017 1,052
77015 Harris County 2,074 $91.5M 2017 464
77058 Harris County 2,068 $66.8M 2008 488
77627 Jefferson County 2,067 $76.6M 2017 638
77505 Harris County 2,057 $68.6M 2017 405
77584 Brazoria County 2,036 $55.8M 2017 492
77706 Jefferson County 1,959 $32.3M 2005 262
77520 Harris County 1,936 $58.0M 1983 502
77090 Harris County 1,865 $148.8M 2017 439
77536 Harris County 1,855 $45.4M 2001 588
77060 Harris County 1,842 $141.7M 2017 397
77070 Harris County 1,834 $198.2M 2017 907
78550 Cameron County 1,807 $61.9M 2025 500
77503 Harris County 1,799 $34.5M 2001 401
77035 Harris County 1,784 $125.8M 2017 866
77045 Harris County 1,782 $29.2M 2001 543
77077 Harris County 1,761 $103.1M 2017 718
77302 Montgomery County 1,759 $117.6M 2017 302
77619 Jefferson County 1,721 $87.3M 2017 881
77568 Galveston County 1,691 $33.9M 2008 372
77008 Harris County 1,678 $74.6M 2017 694
77357 Montgomery County 1,622 $81.7M 2019 389
77450 Fort Bend County 1,619 $189.1M 2017 1,119
77510 Galveston County 1,570 $56.3M 2017 645
77080 Harris County 1,543 $46.5M 2019 299
77338 Harris County 1,511 $97.7M 2017 341
77075 Harris County 1,494 $61.2M 2017 485
77707 Jefferson County 1,488 $55.1M 2019 393
78155 Guadalupe County 1,471 $70.2M 1998 515
77072 Harris County 1,446 $18.2M 2017 365
77032 Harris County 1,438 $47.1M 2001 402
77422 Brazoria County 1,432 $42.8M 2017 537
77365 Montgomery County 1,410 $66.4M 2019 517
77018 Harris County 1,400 $60.7M 2008 397
77379 Harris County 1,393 $147.3M 2017 588
77713 Jefferson County 1,382 $142.6M 2017 610
77016 Harris County 1,374 $33.0M 2001 297
77038 Harris County 1,368 $36.2M 2001 353
77380 Montgomery County 1,357 $75.9M 2017 333
77042 Harris County 1,356 $108.6M 2017 522
77386 Montgomery County 1,343 $58.4M 2017 264
77022 Harris County 1,325 $50.0M 2008 377
77502 Harris County 1,315 $40.4M 2017 449
77013 Harris County 1,277 $73.6M 2017 438
77414 Matagorda County 1,270 $13.6M 2017 202
77587 Harris County 1,234 $38.7M 2017 418
77066 Harris County 1,191 $30.4M 2001 628
77062 Harris County 1,163 $22.2M 2017 317
77028 Harris County 1,157 $47.8M 2017 358
77532 Harris County 1,155 $50.7M 2017 362
78597 Cameron County 1,135 $10.2M 1980 471
77373 Harris County 1,122 $77.2M 2017 422
78552 Cameron County 1,121 $62.4M 2025 347
77518 Galveston County 1,110 $28.2M 2008 252
77087 Harris County 1,099 $19.7M 2017 169
77049 Harris County 1,094 $41.7M 2017 374
77044 Harris County 1,087 $55.8M 2017 468
77026 Harris County 1,079 $33.1M 2017 430
77099 Harris County 1,079 $22.7M 2017 282
77535 Liberty County 1,076 $34.3M 2017 255
77566 Brazoria County 1,067 $46.6M 2017 296
77562 Harris County 1,035 $23.3M 2017 151
77082 Harris County 1,033 $7.6M 2017 215
77385 Montgomery County 1,027 $50.3M 2017 214
77076 Harris County 1,025 $26.0M 2008 300
77591 Galveston County 1,010 $23.4M 2017 307
78418 Nueces County 1,003 $6.6M 2017 398
77459 Fort Bend County 999 $13.5M 2017 462
77575 Liberty County 999 $36.4M 2019 158
77063 Harris County 986 $55.2M 2017 373
77033 Harris County 966 $13.1M 2008 169
77406 Fort Bend County 955 $66.2M 2017 665
77657 Hardin County 939 $70.3M 2017 311
77043 Harris County 937 $21.2M 2009 186
77056 Harris County 928 $64.8M 2017 256
77396 Harris County 928 $26.6M 2017 177
77506 Harris County 928 $28.9M 2001 202
77530 Harris County 927 $17.4M 2017 127
77061 Harris County 917 $23.7M 2017 162
77598 Harris County 902 $28.6M 2017 223
77336 Harris County 898 $54.0M 2017 245
77071 Harris County 882 $23.2M 2017 265
77092 Harris County 875 $36.7M 2017 272
77091 Harris County 870 $34.1M 2017 313
78130 Comal County 863 $44.1M 2010 261
77701 Jefferson County 862 $21.7M 1980 181
77345 Harris County 850 $166.7M 2017 600
77388 Harris County 842 $47.1M 2017 246
77659 Hardin County 836 $103.0M 2017 435
77041 Harris County 835 $77.4M 2017 519
77055 Harris County 820 $27.5M 2015 141
77005 Harris County 817 $20.9M 2001 257
78666 Hays County 816 $29.6M 2015 463
78336 San Patricio County 815 $11.6M 2017 287
78412 Nueces County 810 $6.6M 1980 145
77073 Harris County 807 $33.4M 1989 207
77327 Liberty County 777 $26.1M 2017 141
77651 Jefferson County 776 $24.9M 2017 303
77346 Harris County 746 $90.7M 2017 384
78744 Travis County 743 $29.2M 2013 324
77617 Galveston County 741 $50.4M 2008 388
77703 Jefferson County 725 $11.5M 2017 67
77531 Brazoria County 709 $28.7M 2017 231
77375 Harris County 701 $50.2M 2017 280
77488 Wharton County 695 $33.3M 2017 377
77059 Harris County 694 $20.8M 2017 205
77665 Chambers County 690 $53.0M 2019 330
77009 Harris County 683 $31.0M 2017 250
77021 Harris County 683 $16.7M 2017 173
77095 Harris County 682 $36.7M 2016 245
77504 Harris County 677 $21.8M 2017 183
77065 Harris County 674 $29.1M 2017 223
77493 Harris County 674 $56.7M 2017 461
77578 Brazoria County 666 $19.7M 2017 213
77068 Harris County 641 $54.6M 2017 211
77007 Harris County 635 $33.9M 2017 253
77583 Brazoria County 621 $26.5M 2017 279
77372 Montgomery County 618 $20.2M 2019 123
77004 Harris County 607 $15.7M 2017 241
77479 Fort Bend County 604 $28.0M 2017 407
77057 Harris County 602 $22.7M 2017 125
78380 Nueces County 599 $3.5M 2002 141
77029 Harris County 598 $29.0M 2017 232
78596 Hidalgo County 596 $29.6M 2018 254
77523 Chambers County 594 $25.3M 2017 288
78578 Cameron County 589 $3.3M 1980 267
77048 Harris County 577 $8.5M 1994 95
77476 Fort Bend County 567 $45.2M 2016 179
77078 Harris County 556 $30.8M 2017 347
76308 Wichita County 542 $8.5M 1982 106
78123 Guadalupe County 533 $25.6M 1998 222
77354 Montgomery County 529 $34.0M 2016 179
78521 Cameron County 526 $6.7M 1984 59
78570 Hidalgo County 523 $15.3M 2019 107
78586 Cameron County 520 $11.0M 2008 209
77069 Harris County 518 $54.5M 2017 218
77083 Harris County 514 $7.1M 1992 176
77017 Harris County 510 $14.6M 2017 139
77514 Chambers County 505 $23.6M 2008 243
77053 Harris County 503 $6.2M 2017 76
79605 Taylor County 503 $10.4M 2002 267
77356 Montgomery County 494 $17.9M 2017 210
79109 Potter County 489 $6.6M 1988 152
78639 Llano County 486 $16.1M 2018 290
77979 Calhoun County 476 $5.8M 2017 135
77301 Montgomery County 474 $12.9M 1979 96
77047 Harris County 472 $9.3M 2017 204
78362 San Patricio County 472 $4.1M 2017 82
78676 Hays County 472 $37.8M 2015 234
77304 Montgomery County 471 $20.0M 2016 81
77433 Harris County 468 $28.9M 2017 293
77355 Montgomery County 466 $23.2M 2016 164
77656 Hardin County 462 $11.7M 2017 61
76801 Brown County 459 $8.9M 2002 106
77389 Harris County 453 $30.4M 2017 148
78411 Nueces County 451 $2.6M 1980 158
77708 Jefferson County 449 $13.6M 2017 121
77030 Harris County 438 $27.6M 2017 174
78501 Hidalgo County 435 $6.5M 1980 129
77469 Fort Bend County 432 $12.7M 2017 136
78387 San Patricio County 430 $3.7M 1984 198
77901 Victoria County 429 $5.9M 1998 67
77517 Galveston County 426 $20.1M 2017 206
77449 Harris County 416 $16.3M 2017 253
78599 Hidalgo County 415 $14.1M 2020 169
77457 Matagorda County 406 $3.9M 2003 143
78539 Hidalgo County 404 $5.2M 1980 140
78572 Hidalgo County 395 $8.2M 2020 77
77486 Brazoria County 394 $8.5M 1998 101
77027 Harris County 388 $21.8M 2001 104
78654 Burnet County 372 $14.8M 2018 170
77019 Harris County 368 $22.2M 2017 103
77480 Brazoria County 363 $14.2M 2017 99
78413 Nueces County 353 $2.8M 2015 48
78734 Travis County 351 $11.2M 1997 69
77098 Harris County 350 $7.5M 2001 78
77064 Harris County 348 $8.9M 2016 73
77377 Harris County 347 $14.8M 2016 85
77447 Waller County 342 $14.5M 2016 134
77489 Fort Bend County 342 $2.6M 2017 101
78520 Cameron County 342 $3.9M 2015 50
76240 Cooke County 339 $9.4M 2007 118
77036 Harris County 339 $6.9M 2017 71
78559 Cameron County 336 $11.7M 2025 110
77471 Fort Bend County 335 $10.1M 2017 168
77006 Harris County 333 $3.1M 2001 77
77622 Jefferson County 327 $29.1M 2019 167
77423 Waller County 326 $17.1M 2017 163
77081 Harris County 325 $7.5M 2017 108
75092 Grayson County 323 $8.1M 2007 85
78745 Travis County 315 $5.7M 2013 85
77031 Harris County 309 $14.2M 2017 110
78580 Willacy County 308 $2.1M 1993 40
77023 Harris County 306 $8.2M 2017 65
76302 Wichita County 301 $2.9M 1985 95
77381 Montgomery County 301 $8.5M 2017 71
77477 Fort Bend County 296 $3.9M 2017 67
77331 San Jacinto County 291 $5.3M 1994 70
77086 Harris County 287 $6.4M 2002 51
75050 Dallas County 285 $6.3M 1989 85
75041 Dallas County 283 $7.5M 1991 72
76667 Limestone County 279 $4.6M 2015 32
77478 Fort Bend County 275 $3.1M 2017 76
77577 Brazoria County 274 $6.9M 1979 93
78402 Nueces County 269 $4.5M 1980 105
77494 Fort Bend County 266 $25.2M 2017 192
77002 Harris County 262 $18.7M 2017 62
77498 Fort Bend County 262 $7.2M 2017 115
78363 Kleberg County 259 $2.1M 1980 94
76010 Tarrant County 258 $3.3M 1989 86
78577 Hidalgo County 252 $7.0M 2020 69
78132 Comal County 248 $11.2M 2002 106
77437 Wharton County 242 $4.3M 2004 131
78209 Bexar County 239 $2.6M 1998 53
77465 Matagorda County 238 $2.2M 2017 50
77702 Jefferson County 238 $9.3M 2019 33
77474 Austin County 235 $9.7M 2016 96
77362 Montgomery County 228 $12.1M 2017 69
75090 Grayson County 227 $2.1M 1986 71
76013 Tarrant County 224 $11.9M 2010 67
78747 Travis County 223 $21.4M 2013 122
77485 Fort Bend County 219 $20.6M 2017 101
78410 Nueces County 210 $1.7M 2002 42
77051 Harris County 209 $1.6M 2017 36
78657 Llano County 209 $5.5M 2018 143
77351 Polk County 208 $5.0M 2024 38
77534 Brazoria County 208 $6.1M 2017 85
77050 Harris County 204 $8.2M 2017 67
78374 San Patricio County 204 $2.0M 2017 50
78629 Gonzales County 204 $5.2M 1998 74
77067 Harris County 203 $2.9M 2017 48
77303 Montgomery County 201 $5.7M 2019 28
78415 Nueces County 201 $823K 1980 45
77802 Brazos County 200 $3.5M 2016 41
77020 Harris County 199 $6.6M 2017 76
77484 Waller County 198 $5.5M 2016 68
77407 Fort Bend County 195 $13.3M 2017 165
77982 Calhoun County 194 $967K 2017 50
77430 Brazoria County 193 $5.6M 2017 57
75862 Trinity County 190 $3.9M 1991 31
78401 Nueces County 190 $3.6M 1980 41
78703 Travis County 190 $4.6M 2015 31
77318 Montgomery County 189 $8.3M 2017 80
78757 Travis County 186 $2.1M 1981 66
75904 Angelina County 181 $3.0M 2004 45
77094 Harris County 179 $17.0M 2017 144
77655 Jefferson County 179 $12.7M 2008 105
77954 DeWitt County 178 $4.4M 1998 48
75661 Harrison County 177 $4.1M 2016 87
78355 Brooks County 174 $1.1M 1982 62
77306 Montgomery County 171 $8.5M 2001 48
78028 Kerr County 168 $4.0M 2026 37
79521 Haskell County 167 $2.2M 2018 37
77012 Harris County 166 $6.5M 2017 41
77957 Jackson County 166 $2.2M 1994 64
78655 Caldwell County 165 $6.5M 2015 108
78758 Travis County 162 $1.6M 1981 53
78504 Hidalgo County 161 $4.2M 2012 66
78593 Cameron County 161 $6.7M 2025 45
78746 Travis County 161 $2.0M 1981 35
77461 Fort Bend County 159 $7.6M 2019 54
77840 Brazos County 159 $962K 2017 43
78852 Maverick County 159 $5.6M 2013 47
78681 Williamson County 158 $4.5M 2010 61
77320 Walker County 156 $6.8M 2024 50
77316 Montgomery County 155 $7.3M 2017 43
78840 Val Verde County 155 $3.7M 1998 72
76020 Tarrant County 154 $3.3M 1990 45
76063 Tarrant County 154 $4.6M 2004 39
76448 Eastland County 154 $4.8M 2016 66
77547 Harris County 154 $3.6M 2017 51
75146 Dallas County 153 $4.8M 2004 41
78574 Hidalgo County 153 $4.0M 2020 57
78216 Bexar County 152 $2.2M 2013 36
78541 Hidalgo County 152 $2.4M 2020 40
78602 Bastrop County 152 $4.6M 2016 55
75115 Dallas County 151 $3.8M 1989 36
77085 Harris County 151 $1.4M 2017 30
77904 Victoria County 151 $2.1M 2017 29
78332 Jim Wells County 150 $1.2M 2015 29
78228 Bexar County 149 $994K 2002 33
77340 Walker County 146 $6.5M 2024 64
78643 Llano County 143 $5.5M 2018 91
76140 Tarrant County 140 $2.7M 2018 32
78723 Travis County 140 $994K 1981 20
77054 Harris County 139 $6.1M 2017 38
78404 Nueces County 138 $879K 1980 32
78645 Travis County 138 $2.7M 2018 38
78664 Williamson County 138 $3.7M 2015 24
76016 Tarrant County 137 $1.1M 2015 15
76087 Parker County 137 $1.5M 2007 24
78003 Bandera County 137 $4.1M 2002 75
75234 Dallas County 134 $2.3M 2015 14
75180 Dallas County 133 $3.8M 1994 26
79601 Taylor County 133 $1.5M 1981 32
79924 El Paso County 133 $1.2M 2006 52
78041 Webb County 131 $1.7M 2007 28
79603 Taylor County 130 $506K 2000 33
76309 Wichita County 129 $1.6M 2007 30
78201 Bexar County 129 $1.7M 2013 37
78213 Bexar County 129 $1.5M 1978 24
78669 Travis County 129 $2.8M 1997 33
78542 Hidalgo County 128 $2.4M 2020 32
78753 Travis County 128 $2.2M 1981 39
76117 Tarrant County 127 $3.4M 1989 26
77328 Liberty County 126 $4.7M 2019 29
78526 Cameron County 126 $981K 2008 37
75218 Dallas County 125 $3.2M 2006 31
75901 Angelina County 125 $2.2M 2015 24
78358 Aransas County 125 $1.4M 2017 59
78006 Kendall County 124 $1.6M 2015 34
78013 Kendall County 124 $2.0M 2002 37
78503 Hidalgo County 123 $4.1M 2025 34
76108 Tarrant County 122 $2.5M 2004 47
76301 Wichita County 122 $1.3M 1985 23
78731 Travis County 122 $1.7M 1981 32
77011 Harris County 121 $5.6M 2017 21
75460 Lamar County 120 $2.1M 2016 30
76028 Johnson County 120 $2.4M 2000 18
76118 Tarrant County 120 $1.6M 2007 29
75979 Tyler County 119 $3.2M 2017 22
79932 El Paso County 119 $624K 2006 68
78163 Comal County 118 $4.6M 2015 35
78704 Travis County 115 $908K 2015 21
76012 Tarrant County 114 $949K 1990 14
77435 Wharton County 114 $9.6M 2017 64
75215 Dallas County 113 $1.8M 1991 85
77614 Newton County 113 $4.7M 2017 35
78583 Cameron County 113 $2.3M 2008 46
78945 Fayette County 113 $7.7M 2017 52
77371 San Jacinto County 112 $2.4M 2017 17
78218 Bexar County 112 $2.2M 1998 55
78537 Hidalgo County 112 $2.1M 2020 25
77014 Harris County 110 $1.3M 2008 21
78414 Nueces County 110 $699K 2017 16
75503 Bowie County 109 $2.7M 2015 16
75961 Nacogdoches County 109 $799K 1979 39
76053 Tarrant County 109 $1.2M 1989 42
77983 Calhoun County 108 $909K 2017 65
78133 Comal County 108 $4.5M 2002 41
78957 Bastrop County 108 $3.5M 2017 29
78408 Nueces County 107 $888K 1981 27
76571 Bell County 106 $8.3M 2010 61
78230 Bexar County 106 $553K 2002 20
77625 Hardin County 105 $3.9M 2017 32
78759 Travis County 105 $1.2M 1981 14
75965 Nacogdoches County 104 $3.2M 1979 19
78641 Travis County 104 $3.9M 2025 21
76116 Tarrant County 103 $674K 1990 18
76706 McLennan County 103 $1.6M 2015 14
79606 Taylor County 103 $1.9M 2002 72
77964 Lavaca County 102 $1.3M 1981 32

Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.