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Flood Figures

ZIP 77656 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, 248 NFIP flood insurance policies are in force in ZIP 77656 (Silsbee, TX), with 462 flood claims recorded since 1978.

Policies & premiums

Policies in force
248
Median annual premium
$700
premium only
Median annual cost
$928
premium + fees & surcharges
Mean annual premium
$776
premium only
Policies in SFHA zones
45.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$52,198,200
Contents coverage in force
$17,595,000

"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 77656 by rated flood zone
Policies Share Share bar
X 136 54.8%
AE 56 22.6%
A 56 22.6%

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 77656 by occupancy type
Policies Share Share bar
Single-family homes 214 86.3%
Non-residential buildings 18 7.3%
Mobile homes 14 5.6%
Multi-unit buildings 2 0.8%

Claims history since 1978

Claims since 1978
462
Total paid
$11,711,967
Paid on buildings
$9,015,486
Paid on contents
$2,678,861
NFIP claims filed per year in ZIP 77656, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $6,399
1979 30 $456,474
1980 13 $28,715
1981 3 $15,621
1982 2 $14,590
1983 21 $115,267
1984 2 $3,718
1986 15 $64,364
1987 9 $66,200
1989 61 $864,081
1990 2 $11,395
1991 4 $17,800
1992 5 $27,650
1993 1 $19,779
1994 45 $1,029,423
1995 5 $17,535
1996 1 $0
1998 9 $63,415
1999 2 $9,000
2001 6 $114,660
2002 12 $109,792
2003 2 $23,038
2005 34 $1,421,377
2006 31 $892,926
2007 2 $12,041
2008 16 $239,873
2009 2 $0
2011 1 $6,630
2012 1 $2,599
2015 26 $1,002,016
2016 23 $549,256
2017 61 $4,247,796
2018 2 $31,098
2019 1 $0
2022 1 $65,106
2024 7 $162,331

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 61 $4,247,796
2005 34 $1,421,377
1994 45 $1,029,423

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