ZIP 78070 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, 150 NFIP flood insurance policies are in force in ZIP 78070 (Spring Branch, TX), with 53 flood claims recorded since 1978.

Policies & premiums

Policies in force: 150
Median annual premium: $986; premium only
Median annual cost: $1,254; premium + fees & surcharges
Mean annual premium: $1,307; premium only
Policies in SFHA zones: 48.7%; zones A, AE, AH, AO, V, VE
Building coverage in force: $35,797,000
Contents coverage in force: $12,038,000

"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 78070 by rated flood zone
	Policies	Share
X	76	50.7%
AE	56	37.3%
A	17	11.3%
C	1	0.7%

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 78070 by occupancy type
	Policies	Share	Share bar
Single-family homes	137	91.3%
Non-residential buildings	13	8.7%

Claims history since 1978

Claims since 1978: 53
Total paid: $652,389
Paid on buildings: $575,132
Paid on contents: $77,257

NFIP claims filed per year in ZIP 78070, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1991	1	$0
1997	14	$236,880
1998	2	$20,606
2002	15	$110,919
2007	3	$15,756
2013	1	$0
2014	1	$11,648
2015	12	$242,903
2016	2	$10,664
2017	1	$0
2021	1	$3,013

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2015	12	$242,903
1997	14	$236,880
2002	15	$110,919

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