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Flood Figures

ZIP 78216 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, 156 NFIP flood insurance policies are in force in ZIP 78216 (San Antonio, TX), with 151 flood claims recorded since 1978.

Policies & premiums

Policies in force
156
Median annual premium
$857
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,224
premium only
Policies in SFHA zones
43.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$34,369,000
Contents coverage in force
$12,567,000

"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 78216 by rated flood zone
Policies Share Share bar
X 96 61.5%
AE 33 21.2%
A 27 17.3%

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 78216 by occupancy type
Policies Share Share bar
Single-family homes 95 60.9%
Non-residential buildings 33 21.2%
Multi-unit buildings 27 17.3%
Units in multi-unit buildings 1 0.6%

Claims history since 1978

Claims since 1978
151
Total paid
$2,199,255
Paid on buildings
$1,814,003
Paid on contents
$385,253
NFIP claims filed per year in ZIP 78216, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 6 $19,583
1979 2 $3,804
1980 3 $0
1981 4 $6,369
1982 1 $1,332
1983 1 $11,000
1985 1 $0
1986 12 $24,217
1987 4 $4,159
1988 2 $689
1991 3 $89,455
1992 3 $8,747
1993 2 $145,063
1998 12 $221,198
2000 1 $0
2001 2 $0
2002 29 $131,078
2004 4 $16,916
2006 1 $0
2007 3 $17,167
2008 1 $0
2009 2 $5,551
2010 4 $34,205
2012 2 $16,712
2013 36 $1,374,630
2014 1 $0
2015 3 $23,491
2016 2 $9,463
2018 3 $22,062
2019 1 $12,364

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2013 36 $1,374,630
1998 12 $221,198
1993 2 $145,063

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