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Flood Figures

ZIP 78227 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, 36 NFIP flood insurance policies are in force in ZIP 78227 (San Antonio, TX), with 51 flood claims recorded since 1978.

Policies & premiums

Policies in force
36
Median annual premium
$585
premium only
Median annual cost
$829
premium + fees & surcharges
Mean annual premium
$804
premium only
Policies in SFHA zones
25.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$6,394,000
Contents coverage in force
$1,842,000

"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 78227 by rated flood zone
Policies Share Share bar
X 27 75.0%
AE 9 25.0%

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 78227 by occupancy type
Policies Share Share bar
Single-family homes 33 91.7%
Non-residential buildings 3 8.3%

Claims history since 1978

Claims since 1978
51
Total paid
$291,077
Paid on buildings
$261,711
Paid on contents
$29,366
NFIP claims filed per year in ZIP 78227, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1987 3 $6,641
1992 1 $1,293
1993 1 $0
1996 1 $485
1998 6 $21,020
2000 2 $498
2001 1 $0
2002 6 $14,154
2006 1 $0
2007 4 $21,985
2009 1 $1,359
2010 2 $16,116
2011 2 $987
2012 1 $2,902
2013 13 $177,923
2014 1 $266
2015 2 $10,364
2016 1 $2,180
2021 2 $12,906

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2013 13 $177,923
2007 4 $21,985
1998 6 $21,020

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