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Flood Figures

ZIP 78382 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, 4,530 NFIP flood insurance policies are in force in ZIP 78382 (Rockport, TX), with 3,629 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,530
Median annual premium
$960
premium only
Median annual cost
$1,309
premium + fees & surcharges
Mean annual premium
$1,299
premium only
Policies in SFHA zones
47.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$985,646,000
Contents coverage in force
$311,477,000

"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 78382 by rated flood zone
Policies Share Share bar
AE 2,110 46.6%
X 2,046 45.2%
B 153 3.4%
C 82 1.8%
A07 56 1.2%
VE 54 1.2%
A08 19 0.4%
A12 4 0.1%
A15 4 0.1%
AO 1 0.0%
A13 1 0.0%

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 78382 by occupancy type
Policies Share Share bar
Single-family homes 3,155 69.6%
Multi-unit buildings 793 17.5%
Non-residential buildings 268 5.9%
Units in multi-unit buildings 266 5.9%
Mobile homes 48 1.1%

Claims history since 1978

Claims since 1978
3,629
Total paid
$58,967,108
Paid on buildings
$46,242,636
Paid on contents
$12,268,057
NFIP claims filed per year in ZIP 78382, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 77 $134,106
1980 413 $1,546,159
1981 3 $5,482
1982 2 $1,817
1983 14 $18,877
1984 2 $0
1985 1 $0
1986 1 $511
1987 1 $0
1988 32 $56,762
1991 26 $55,566
1992 22 $77,372
1993 4 $1,740
1994 1 $0
1995 7 $6,812
1996 7 $15,767
1997 20 $52,904
1998 71 $345,456
1999 20 $50,887
2000 11 $55,570
2001 6 $24,582
2002 25 $127,223
2003 14 $36,119
2004 43 $369,192
2005 5 $4,307
2006 42 $632,134
2007 12 $17,293
2008 57 $454,399
2009 29 $358,306
2010 28 $114,598
2011 3 $0
2012 8 $66,434
2013 1 $0
2014 3 $0
2015 40 $299,401
2016 28 $336,078
2017 2,320 $47,203,033
2018 27 $272,523
2019 2 $36,556
2020 15 $48,607
2021 138 $5,489,421
2022 1 $3,225
2023 1 $0
2024 45 $647,890
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 2,320 $47,203,033
2021 138 $5,489,421
1980 413 $1,546,159

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