ZIP 76448 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, 63 NFIP flood insurance policies are in force in ZIP 76448 (Eastland, TX), with 154 flood claims recorded since 1978.

Policies & premiums

Policies in force: 63
Median annual premium: $853; premium only
Median annual cost: $1,147; premium + fees & surcharges
Mean annual premium: $1,130; premium only
Policies in SFHA zones: 73.0%; zones A, AE, AH, AO, V, VE
Building coverage in force: $11,543,000
Contents coverage in force: $3,186,000

"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 76448 by rated flood zone
	Policies	Share
A	29	46.0%
AE	17	27.0%
C	11	17.5%
X	6	9.5%

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 76448 by occupancy type
	Policies	Share
Single-family homes	51	81.0%
Mobile homes	6	9.5%
Non-residential buildings	6	9.5%

Claims history since 1978

Claims since 1978: 154
Total paid: $4,833,930
Paid on buildings: $3,868,525
Paid on contents: $935,405

NFIP claims filed per year in ZIP 76448, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1986	1	$16,720
1987	2	$11,785
1992	1	$23,712
1997	3	$61,216
2007	53	$1,910,129
2009	1	$8,189
2015	22	$253,300
2016	66	$2,396,689
2021	5	$152,189

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2016	66	$2,396,689
2007	53	$1,910,129
2015	22	$253,300

State page: Flood insurance in Texas
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed