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Flood Figures

ZIP 76301 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, 22 NFIP flood insurance policies are in force in ZIP 76301 (Wichita Falls, TX), with 122 flood claims recorded since 1978.

Policies & premiums

Policies in force
22
Median annual premium
$958
premium only
Median annual cost
$1,203
premium + fees & surcharges
Mean annual premium
$2,351
premium only
Policies in SFHA zones
72.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$4,482,000
Contents coverage in force
$2,257,000

"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 76301 by rated flood zone
Policies Share Share bar
AE 16 72.7%
X 6 27.3%

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 76301 by occupancy type
Policies Share Share bar
Single-family homes 15 68.2%
Non-residential buildings 7 31.8%

Claims history since 1978

Claims since 1978
122
Total paid
$1,313,835
Paid on buildings
$1,123,101
Paid on contents
$190,734
NFIP claims filed per year in ZIP 76301, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 11 $18,198
1981 5 $3,516
1982 18 $355,386
1984 12 $8,764
1985 23 $85,847
1986 20 $59,267
1987 5 $22,110
1989 4 $17,105
1990 1 $12,918
1997 2 $12,867
2007 19 $668,676
2015 2 $49,181

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2007 19 $668,676
1982 18 $355,386
1985 23 $85,847

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