Flood history / Texas / ZIP 78402
ZIP 78402
Nueces County, TX
Property owners in ZIP 78402 have been paid $4.5M on 269 National Flood Insurance Program claims between 1978 and 2026 — an average of $17K a claim, across 30 separate years in which someone here filed and was paid.
The heaviest year
1980 is the heaviest year on file: 105 paid claims, 39.0% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Hurricane Allen, with 104 claims.
70 of those claims — 26.0% — were filed since 2017. The pattern here is still active.
| Named event | Paid claims | Share of record |
|---|---|---|
| Hurricane Allen | 104 | 38.7% |
| Hurricane Harvey | 21 | 7.8% |
Where the claims sat on the map
Of the 269 claims here that record a rated flood zone, 3 — 1.1% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Tide Gauge at Nueces Bay (3.1 mi), Tide Gauge at Texas State Aquarium (4.0 mi) and Oso Creek near Corpus Christi (10.4 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 78402 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.