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Flood Figures

ZIP 78163 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, 159 NFIP flood insurance policies are in force in ZIP 78163 (Bulverde, TX), with 118 flood claims recorded since 1978.

Policies & premiums

Policies in force
159
Median annual premium
$870
premium only
Median annual cost
$1,193
premium + fees & surcharges
Mean annual premium
$1,117
premium only
Policies in SFHA zones
50.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$38,491,000
Contents coverage in force
$13,172,000

"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 78163 by rated flood zone
Policies Share Share bar
X 78 49.1%
AE 62 39.0%
A 19 11.9%

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 78163 by occupancy type
Policies Share Share bar
Single-family homes 149 93.7%
Non-residential buildings 7 4.4%
Mobile homes 2 1.3%
Multi-unit buildings 1 0.6%

Claims history since 1978

Claims since 1978
118
Total paid
$4,550,776
Paid on buildings
$3,409,463
Paid on contents
$1,141,312
NFIP claims filed per year in ZIP 78163, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 2 $107
1985 2 $22,705
1991 2 $13,463
1992 2 $35,610
1994 1 $12,049
1997 15 $511,463
1998 33 $1,874,568
2001 1 $4,160
2002 9 $279,333
2004 1 $0
2007 4 $34,616
2009 2 $3,474
2011 1 $0
2013 7 $134,202
2015 35 $1,579,676
2021 1 $45,349

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1998 33 $1,874,568
2015 35 $1,579,676
1997 15 $511,463

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