ZIP 77901 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, 335 NFIP flood insurance policies are in force in ZIP 77901 (Victoria, TX), with 429 flood claims recorded since 1978.

Policies & premiums

Policies in force: 335
Median annual premium: $431; premium only
Median annual cost: $616; premium + fees & surcharges
Mean annual premium: $562; premium only
Policies in SFHA zones: 42.7%; zones A, AE, AH, AO, V, VE
Building coverage in force: $71,608,000
Contents coverage in force: $25,505,000

"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 77901 by rated flood zone
	Policies	Share
X	192	57.3%
AE	142	42.4%
A	1	0.3%

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 77901 by occupancy type
	Policies	Share
Single-family homes	276	82.4%
Non-residential buildings	41	12.2%
Multi-unit buildings	9	2.7%
Mobile homes	9	2.7%

Claims history since 1978

Claims since 1978: 429
Total paid: $5,945,390
Paid on buildings: $4,971,529
Paid on contents: $944,200

NFIP claims filed per year in ZIP 77901, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1978	21	$54,869
1979	6	$12,724
1980	4	$15,741
1981	23	$91,309
1982	1	$0
1983	1	$0
1984	6	$8,589
1985	13	$18,008
1987	21	$108,941
1988	1	$0
1990	3	$505
1991	55	$564,217
1992	5	$13,220
1993	2	$441
1994	5	$141,929
1995	1	$3,304
1997	11	$59,814
1998	67	$1,927,913
1999	1	$672
2001	3	$3,908
2002	14	$170,419
2003	9	$5,600
2004	52	$1,146,599
2006	1	$0
2007	3	$21,226
2008	1	$0
2010	29	$434,375
2012	1	$0
2014	1	$1,660
2015	2	$7,673
2017	54	$942,437
2021	6	$70,885
2023	2	$12,525
2025	4	$105,887

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
1998	67	$1,927,913
2004	52	$1,146,599
2017	54	$942,437

State page: Flood insurance in Texas
Other ZIPs in Victoria: 77904 , 77905
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed