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Flood Figures

ZIP 77640 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, 1,857 NFIP flood insurance policies are in force in ZIP 77640 (Port Arthur, TX), with 2,492 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,857
Median annual premium
$859
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,265
premium only
Policies in SFHA zones
22.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$396,318,000
Contents coverage in force
$155,622,000

"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 77640 by rated flood zone
Policies Share Share bar
B 1,166 62.8%
AH 366 19.7%
X 268 14.4%
C 24 1.3%
A11 11 0.6%
AHB 7 0.4%
A12 4 0.2%
V19 4 0.2%
A15 4 0.2%
V14 2 0.1%
A10 1 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 77640 by occupancy type
Policies Share Share bar
Single-family homes 1,535 82.7%
Non-residential buildings 180 9.7%
Multi-unit buildings 133 7.2%
Mobile homes 5 0.3%
Units in multi-unit buildings 4 0.2%

Claims history since 1978

Claims since 1978
2,492
Total paid
$118,412,490
Paid on buildings
$84,305,950
Paid on contents
$34,046,539
NFIP claims filed per year in ZIP 77640, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $225
1979 149 $548,636
1980 279 $1,090,611
1981 2 $178
1982 39 $86,101
1983 37 $52,209
1984 5 $0
1985 4 $1,965
1986 4 $18,818
1987 2 $1,538
1988 1 $0
1989 41 $100,832
1991 4 $7,092
1992 2 $1,028
1993 1 $0
1994 24 $34,480
1995 12 $52,273
1996 1 $0
1998 7 $39,283
1999 1 $0
2000 2 $1,126
2001 15 $99,926
2002 74 $1,328,217
2005 361 $6,073,230
2006 10 $135,816
2007 5 $8,959
2008 197 $11,908,396
2009 4 $20,579
2010 2 $0
2011 3 $128,737
2012 2 $0
2013 4 $19,455
2014 35 $809,794
2015 16 $65,761
2016 4 $4,779
2017 997 $93,803,049
2018 34 $337,416
2019 53 $943,100
2020 19 $82,592
2021 22 $436,911
2022 9 $157,573
2023 1 $1,325
2024 6 $10,481

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 997 $93,803,049
2008 197 $11,908,396
2005 361 $6,073,230

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