ZIP 75056 flood insurance data
Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.
As of June 1, 2026, 105 NFIP flood insurance policies are in force in ZIP 75056 (The Colony, TX), with 8 flood claims recorded since 1978.
Policies & premiums
- Policies in force
- 105
- Median annual premium
- $429
- premium only
- Median annual cost
- $598
- premium + fees & surcharges
- Mean annual premium
- $634
- premium only
- Policies in SFHA zones
- 12.4%
- zones A, AE, AH, AO, V, VE
- Building coverage in force
- $27,530,000
- Contents coverage in force
- $9,471,000
"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.
Flood zones of insured properties
| Policies | Share | Share bar | |
|---|---|---|---|
| X | 92 | 87.6% | |
| AE | 11 | 10.5% | |
| A | 2 | 1.9% |
Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.
What the policies cover
| Policies | Share | Share bar | |
|---|---|---|---|
| Single-family homes | 82 | 78.1% | |
| Non-residential buildings | 14 | 13.3% | |
| Multi-unit buildings | 6 | 5.7% | |
| Mobile homes | 2 | 1.9% | |
| Units in multi-unit buildings | 1 | 1.0% |
Claims history since 1978
- Claims since 1978
- 8
- Total paid
- $697,940
- Paid on buildings
- $697,940
- Paid on contents
- $0
Claims by year (data table)
| Year | Claims | Paid |
|---|---|---|
| 1994 | 1 | $890 |
| 2004 | 1 | $4,147 |
| 2018 | 2 | $635,735 |
| 2019 | 2 | $41,590 |
| 2020 | 1 | $15,579 |
| 2022 | 1 | $0 |
Years with no recorded claims are omitted from the table.
Top loss years by dollars paid
| Year | Claims | Paid |
|---|---|---|
| 2018 | 2 | $635,735 |
| 2019 | 2 | $41,590 |
| 2020 | 1 | $15,579 |
Related pages
- State page: Flood insurance in Texas
- Tool: look up another ZIP
- Reading: What is the NFIP? · How these figures are computed