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Flood Figures

ZIP 76118 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, 115 NFIP flood insurance policies are in force in ZIP 76118 (Fort Worth, TX), with 120 flood claims recorded since 1978.

Policies & premiums

Policies in force
115
Median annual premium
$833
premium only
Median annual cost
$1,071
premium + fees & surcharges
Mean annual premium
$980
premium only
Policies in SFHA zones
76.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$27,138,000
Contents coverage in force
$7,516,000

"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

NFIP policies in ZIP 76118 by rated flood zone
Policies Share Share bar
AE 84 73.0%
X 27 23.5%
A 4 3.5%

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

NFIP policies in ZIP 76118 by occupancy type
Policies Share Share bar
Single-family homes 96 83.5%
Non-residential buildings 12 10.4%
Multi-unit buildings 7 6.1%

Claims history since 1978

Claims since 1978
120
Total paid
$1,557,287
Paid on buildings
$1,261,156
Paid on contents
$291,031
NFIP claims filed per year in ZIP 76118, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 17 $183,273
1982 2 $3,811
1989 25 $306,626
1990 11 $136,614
1994 1 $3,947
1995 11 $174,526
2000 7 $23,122
2002 2 $7,704
2005 1 $0
2006 1 $0
2007 29 $458,508
2009 2 $61,971
2010 1 $0
2015 1 $0
2017 2 $5,310
2020 1 $0
2022 6 $191,876

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2007 29 $458,508
1989 25 $306,626
2022 6 $191,876

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