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Flood Figures

ZIP 77657 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, 1,503 NFIP flood insurance policies are in force in ZIP 77657 (Lumberton, TX), with 928 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,503
Median annual premium
$589
premium only
Median annual cost
$780
premium + fees & surcharges
Mean annual premium
$671
premium only
Policies in SFHA zones
11.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$355,346,800
Contents coverage in force
$138,129,000

"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 77657 by rated flood zone
Policies Share Share bar
X 1,329 88.4%
AE 143 9.5%
A 31 2.1%

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 77657 by occupancy type
Policies Share Share bar
Single-family homes 1,419 94.4%
Non-residential buildings 48 3.2%
Mobile homes 21 1.4%
Multi-unit buildings 8 0.5%
Units in multi-unit buildings 7 0.5%

Claims history since 1978

Claims since 1978
928
Total paid
$70,217,512
Paid on buildings
$52,929,241
Paid on contents
$17,164,642
NFIP claims filed per year in ZIP 77657, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $53,770
1980 5 $4,274
1981 3 $1,950
1982 2 $4,721
1983 10 $42,656
1986 8 $3,911
1987 1 $1,089
1989 41 $594,589
1991 2 $15,499
1992 3 $1,332
1994 65 $2,429,560
1995 2 $1,636
1998 6 $36,493
2000 3 $2,260
2001 42 $584,145
2002 29 $280,121
2003 13 $125,613
2004 1 $15,000
2005 74 $1,447,363
2006 97 $3,618,914
2007 41 $629,563
2008 24 $237,654
2009 1 $0
2012 3 $6,005
2013 10 $173,524
2014 2 $43,540
2015 44 $899,648
2016 21 $392,353
2017 311 $56,327,444
2018 2 $81,963
2019 18 $417,647
2020 2 $3,421
2021 3 $22,826
2023 8 $153,092
2024 19 $1,544,630
2025 2 $19,305

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 311 $56,327,444
2006 97 $3,618,914
1994 65 $2,429,560

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