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Flood Figures

ZIP 77705 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, 2,229 NFIP flood insurance policies are in force in ZIP 77705 (Beaumont, TX), with 3,200 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,229
Median annual premium
$909
premium only
Median annual cost
$1,180
premium + fees & surcharges
Mean annual premium
$1,179
premium only
Policies in SFHA zones
31.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$507,496,000
Contents coverage in force
$198,654,000

"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 77705 by rated flood zone
Policies Share Share bar
X 1,357 60.9%
A 331 14.8%
AE 244 10.9%
A15 109 4.9%
C 107 4.8%
B 53 2.4%
A03 23 1.0%
A14 5 0.2%

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 77705 by occupancy type
Policies Share Share bar
Single-family homes 1,917 86.0%
Non-residential buildings 224 10.0%
Mobile homes 59 2.6%
Multi-unit buildings 24 1.1%
Units in multi-unit buildings 5 0.2%

Claims history since 1978

Claims since 1978
3,200
Total paid
$211,130,025
Paid on buildings
$152,802,028
Paid on contents
$56,936,476
NFIP claims filed per year in ZIP 77705, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 53 $321,237
1980 221 $1,471,427
1981 2 $2,878
1982 29 $160,086
1983 19 $29,611
1984 1 $0
1985 4 $4,784
1986 6 $5,220
1987 17 $65,099
1989 86 $596,676
1991 17 $51,575
1992 1 $0
1993 16 $40,417
1994 40 $283,817
1995 5 $16,483
1996 64 $606,671
1997 2 $0
1998 16 $123,850
2000 3 $8,486
2001 53 $363,302
2002 55 $747,569
2003 2 $33,086
2004 3 $13,170
2005 131 $1,940,399
2006 26 $819,557
2007 36 $159,477
2008 367 $26,929,171
2009 9 $34,970
2010 1 $0
2012 3 $0
2014 14 $412,158
2016 3 $3,054
2017 772 $70,305,522
2018 2 $0
2019 1,041 $103,266,249
2020 19 $278,676
2021 56 $2,004,399
2022 2 $0
2023 2 $30,949
2024 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2019 1,041 $103,266,249
2017 772 $70,305,522
2008 367 $26,929,171

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