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Flood Figures

ZIP 78239 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, 102 NFIP flood insurance policies are in force in ZIP 78239 (San Antonio, TX), with 32 flood claims recorded since 1978.

Policies & premiums

Policies in force
102
Median annual premium
$568
premium only
Median annual cost
$800
premium + fees & surcharges
Mean annual premium
$650
premium only
Policies in SFHA zones
51.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$22,297,000
Contents coverage in force
$7,334,000

"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 78239 by rated flood zone
Policies Share Share bar
X 50 49.0%
AE 50 49.0%
A 2 2.0%

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 78239 by occupancy type
Policies Share Share bar
Single-family homes 96 94.1%
Non-residential buildings 5 4.9%
Multi-unit buildings 1 1.0%

Claims history since 1978

Claims since 1978
32
Total paid
$317,882
Paid on buildings
$296,846
Paid on contents
$21,036
NFIP claims filed per year in ZIP 78239, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 3 $10,054
1986 1 $4,235
1992 1 $944
1993 1 $3,779
1998 5 $8,144
2002 2 $5,897
2003 2 $3,910
2004 2 $0
2007 1 $8,750
2010 2 $2,300
2015 2 $1,963
2016 3 $3,063
2021 2 $9,066
2025 5 $255,777

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2025 5 $255,777
1980 3 $10,054
2021 2 $9,066

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