ZIP 78023 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, 148 NFIP flood insurance policies are in force in ZIP 78023 (Helotes, TX), with 53 flood claims recorded since 1978.

Policies & premiums

Policies in force: 148
Median annual premium: $717; premium only
Median annual cost: $921; premium + fees & surcharges
Mean annual premium: $771; premium only
Policies in SFHA zones: 41.9%; zones A, AE, AH, AO, V, VE
Building coverage in force: $35,219,000
Contents coverage in force: $12,018,000

"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 78023 by rated flood zone
	Policies	Share
X	86	58.1%
AE	45	30.4%
A	17	11.5%

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 78023 by occupancy type
	Policies	Share	Share bar
Single-family homes	146	98.6%
Non-residential buildings	2	1.4%

Claims history since 1978

Claims since 1978: 53
Total paid: $868,193
Paid on buildings: $778,391
Paid on contents: $89,803

NFIP claims filed per year in ZIP 78023, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1997	1	$0
1998	6	$105,165
2000	2	$9,979
2002	14	$121,445
2005	1	$0
2007	12	$316,335
2010	1	$3,272
2013	2	$2,571
2014	1	$678
2015	5	$56,987
2016	1	$2,209
2018	2	$0
2021	3	$26,543
2025	2	$223,010

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2007	12	$316,335
2025	2	$223,010
2002	14	$121,445

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