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Flood Figures

ZIP 77414 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, 1,675 NFIP flood insurance policies are in force in ZIP 77414 (Bay City, TX), with 1,270 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,675
Median annual premium
$861
premium only
Median annual cost
$1,175
premium + fees & surcharges
Mean annual premium
$1,148
premium only
Policies in SFHA zones
65.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$356,374,200
Contents coverage in force
$107,277,000

"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 77414 by rated flood zone
Policies Share Share bar
AE 737 44.0%
X 519 31.0%
VE 188 11.2%
A 97 5.8%
C 57 3.4%
A03 32 1.9%
V13 25 1.5%
A12 13 0.8%
V 5 0.3%
B 2 0.1%

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 77414 by occupancy type
Policies Share Share bar
Single-family homes 1,464 87.4%
Non-residential buildings 107 6.4%
Multi-unit buildings 83 5.0%
Mobile homes 18 1.1%
Units in multi-unit buildings 3 0.2%

Claims history since 1978

Claims since 1978
1,270
Total paid
$13,610,909
Paid on buildings
$10,784,538
Paid on contents
$2,749,254
NFIP claims filed per year in ZIP 77414, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 135 $379,616
1980 5 $9,710
1981 64 $175,609
1982 22 $60,863
1983 8 $25,213
1984 151 $629,673
1985 2 $615
1986 2 $3,010
1987 1 $0
1988 1 $1,520
1989 14 $24,787
1990 1 $0
1991 51 $240,295
1992 4 $5,745
1993 2 $5,429
1994 10 $75,066
1995 30 $196,097
1996 1 $20,183
1997 2 $27,380
1998 104 $1,213,466
2001 9 $116,199
2002 76 $946,671
2003 70 $546,053
2004 22 $341,549
2005 2 $4,806
2006 2 $29,840
2007 10 $196,281
2008 71 $528,660
2010 6 $104,494
2012 9 $73,126
2015 4 $108,693
2016 3 $22,079
2017 202 $4,975,543
2018 1 $5,707
2019 52 $1,156,750
2020 2 $137,485
2021 26 $283,613
2023 1 $0
2024 89 $929,734
2025 3 $9,350

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 202 $4,975,543
1998 104 $1,213,466
2019 52 $1,156,750

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