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Flood Figures

ZIP 78228 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, 122 NFIP flood insurance policies are in force in ZIP 78228 (San Antonio, TX), with 149 flood claims recorded since 1978.

Policies & premiums

Policies in force
122
Median annual premium
$947
premium only
Median annual cost
$1,228
premium + fees & surcharges
Mean annual premium
$1,094
premium only
Policies in SFHA zones
67.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$21,904,000
Contents coverage in force
$5,389,000

"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 78228 by rated flood zone
Policies Share Share bar
AE 81 66.4%
X 40 32.8%
A 1 0.8%

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 78228 by occupancy type
Policies Share Share bar
Single-family homes 114 93.4%
Non-residential buildings 6 4.9%
Multi-unit buildings 2 1.6%

Claims history since 1978

Claims since 1978
149
Total paid
$994,199
Paid on buildings
$893,126
Paid on contents
$101,073
NFIP claims filed per year in ZIP 78228, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $45,505
1980 6 $17,653
1981 7 $24,170
1982 1 $277
1985 1 $0
1986 8 $56,791
1987 2 $19,001
1988 1 $9,709
1990 1 $7,808
1991 2 $774
1992 11 $73,078
1993 6 $74,631
1998 15 $92,448
1999 1 $6,205
2000 6 $37,957
2002 33 $187,738
2004 6 $41,063
2007 3 $5,543
2009 2 $77,594
2011 1 $5,003
2012 2 $0
2013 13 $108,721
2015 5 $2,331
2016 3 $0
2017 2 $7,649
2019 2 $19
2020 1 $0
2021 3 $71,101
2023 1 $18,761
2024 1 $2,671

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2002 33 $187,738
2013 13 $108,721
1998 15 $92,448

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