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Flood Figures

ZIP 77575 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, 588 NFIP flood insurance policies are in force in ZIP 77575 (Liberty, TX), with 999 flood claims recorded since 1978.

Policies & premiums

Policies in force
588
Median annual premium
$581
premium only
Median annual cost
$786
premium + fees & surcharges
Mean annual premium
$826
premium only
Policies in SFHA zones
36.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$123,448,400
Contents coverage in force
$48,730,000

"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 77575 by rated flood zone
Policies Share Share bar
X 367 62.4%
AE 149 25.3%
A 66 11.2%
B 3 0.5%
Not reported 3 0.5%

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 77575 by occupancy type
Policies Share Share bar
Single-family homes 452 76.9%
Non-residential buildings 54 9.2%
Multi-unit buildings 54 9.2%
Mobile homes 26 4.4%
Units in multi-unit buildings 2 0.3%

Claims history since 1978

Claims since 1978
999
Total paid
$36,358,344
Paid on buildings
$27,744,757
Paid on contents
$8,613,587
NFIP claims filed per year in ZIP 77575, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 31 $234,304
1980 8 $50,606
1981 19 $65,056
1982 1 $3,477
1983 8 $18,881
1985 2 $600
1986 3 $10,493
1989 35 $448,203
1990 34 $398,591
1991 30 $129,464
1992 27 $109,347
1993 4 $16,087
1994 121 $3,672,070
1995 5 $17,750
1996 13 $31,628
1997 2 $787
1998 13 $41,132
1999 2 $18,032
2000 127 $3,728,870
2001 7 $16,404
2002 9 $74,247
2003 6 $33,139
2005 9 $80,109
2006 34 $556,960
2008 16 $160,748
2009 1 $0
2011 1 $0
2014 1 $16,784
2015 55 $1,860,461
2016 15 $224,319
2017 146 $8,991,047
2018 5 $83,705
2019 158 $11,527,385
2020 2 $4,471
2021 2 $1,533
2022 1 $0
2024 46 $3,731,655

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2019 158 $11,527,385
2017 146 $8,991,047
2024 46 $3,731,655

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