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Flood Figures

ZIP 76309 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, 80 NFIP flood insurance policies are in force in ZIP 76309 (Wichita Falls, TX), with 129 flood claims recorded since 1978.

Policies & premiums

Policies in force
80
Median annual premium
$1,094
premium only
Median annual cost
$1,372
premium + fees & surcharges
Mean annual premium
$1,320
premium only
Policies in SFHA zones
75.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$17,605,000
Contents coverage in force
$5,140,000

"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 76309 by rated flood zone
Policies Share Share bar
AE 60 75.0%
X 20 25.0%

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 76309 by occupancy type
Policies Share Share bar
Single-family homes 80 100.0%

Claims history since 1978

Claims since 1978
129
Total paid
$1,642,111
Paid on buildings
$1,422,053
Paid on contents
$220,058
NFIP claims filed per year in ZIP 76309, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1982 2 $62,983
1985 3 $3,263
1987 18 $30,737
1989 19 $35,533
1990 15 $17,642
1993 8 $19,332
1997 20 $222,844
2001 2 $709
2007 30 $1,176,422
2008 4 $20,125
2011 1 $0
2015 4 $8,276
2016 2 $44,246
2021 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2007 30 $1,176,422
1997 20 $222,844
1982 2 $62,983

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