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Flood Figures

ZIP 78130 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, 1,275 NFIP flood insurance policies are in force in ZIP 78130 (New Braunfels, TX), with 860 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,275
Median annual premium
$985
premium only
Median annual cost
$1,331
premium + fees & surcharges
Mean annual premium
$1,529
premium only
Policies in SFHA zones
60.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$287,913,000
Contents coverage in force
$66,927,000

"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 78130 by rated flood zone
Policies Share Share bar
AE 726 56.9%
X 493 38.7%
A 56 4.4%

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 78130 by occupancy type
Policies Share Share bar
Single-family homes 812 63.7%
Multi-unit buildings 295 23.1%
Non-residential buildings 123 9.6%
Units in multi-unit buildings 34 2.7%
Mobile homes 11 0.9%

Claims history since 1978

Claims since 1978
860
Total paid
$44,116,731
Paid on buildings
$33,128,647
Paid on contents
$10,641,634
NFIP claims filed per year in ZIP 78130, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $651
1981 5 $11,593
1983 1 $0
1985 2 $3,534
1986 1 $0
1987 2 $915
1991 1 $1,499
1993 1 $15,703
1995 2 $0
1997 1 $0
1998 242 $20,264,542
1999 1 $0
2000 2 $9,475
2001 2 $9,534
2002 219 $11,218,449
2003 1 $0
2004 33 $658,222
2006 3 $16,433
2007 4 $11,449
2009 1 $0
2010 260 $10,365,430
2012 1 $4,345
2013 5 $5,933
2015 45 $1,372,532
2016 10 $85,893
2017 6 $0
2018 2 $0
2019 1 $0
2021 2 $9,860
2025 1 $50,739

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1998 242 $20,264,542
2002 219 $11,218,449
2010 260 $10,365,430

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