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Flood Figures

ZIP 78238 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, 144 NFIP flood insurance policies are in force in ZIP 78238 (San Antonio, TX), with 87 flood claims recorded since 1978.

Policies & premiums

Policies in force
144
Median annual premium
$1,029
premium only
Median annual cost
$1,369
premium + fees & surcharges
Mean annual premium
$1,323
premium only
Policies in SFHA zones
72.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$29,145,000
Contents coverage in force
$6,154,000

"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 78238 by rated flood zone
Policies Share Share bar
AE 105 72.9%
X 39 27.1%

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 78238 by occupancy type
Policies Share Share bar
Single-family homes 123 85.4%
Non-residential buildings 16 11.1%
Multi-unit buildings 5 3.5%

Claims history since 1978

Claims since 1978
87
Total paid
$1,186,578
Paid on buildings
$974,040
Paid on contents
$167,538
NFIP claims filed per year in ZIP 78238, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $5,029
1979 1 $5,574
1980 3 $17,947
1981 1 $4,390
1982 2 $6,697
1984 1 $360
1986 2 $3,161
1990 1 $7,472
1991 4 $8,389
1998 22 $592,590
2000 1 $0
2001 12 $141,480
2002 3 $3,222
2006 1 $0
2007 2 $1,507
2010 1 $6,976
2012 2 $0
2013 7 $118,951
2014 2 $109
2015 6 $11,400
2016 1 $473
2017 1 $0
2021 8 $249,401
2023 1 $1,450

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1998 22 $592,590
2021 8 $249,401
2001 12 $141,480

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