ZIP 78404 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, 377 NFIP flood insurance policies are in force in ZIP 78404 (Corpus Christi, TX), with 138 flood claims recorded since 1978.

Policies & premiums

Policies in force: 377
Median annual premium: $681; premium only
Median annual cost: $911; premium + fees & surcharges
Mean annual premium: $779; premium only
Policies in SFHA zones: 0.8%; zones A, AE, AH, AO, V, VE
Building coverage in force: $89,353,000
Contents coverage in force: $25,196,000

"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 78404 by rated flood zone
	Policies	Share
X	279	74.0%
C	96	25.5%
VE	2	0.5%

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 78404 by occupancy type
	Policies	Share
Single-family homes	209	55.4%
Multi-unit buildings	129	34.2%
Non-residential buildings	29	7.7%
Units in multi-unit buildings	10	2.7%

Claims history since 1978

Claims since 1978: 138
Total paid: $878,883
Paid on buildings: $790,889
Paid on contents: $87,993

NFIP claims filed per year in ZIP 78404, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1978	1	$125
1979	16	$38,323
1980	32	$112,191
1981	2	$3,577
1985	3	$20,215
1992	1	$2,947
1997	5	$56,233
1998	4	$2,214
1999	4	$4,635
2000	1	$2,002
2001	1	$0
2002	10	$77,327
2004	2	$24,065
2006	2	$13,103
2007	3	$21,844
2008	1	$0
2009	1	$1,067
2010	10	$108,501
2011	1	$0
2013	1	$80,251
2014	1	$0
2015	6	$10,691
2016	3	$257,581
2017	16	$13,899
2018	4	$905
2019	1	$0
2020	1	$10,506
2021	2	$0
2022	2	$16,682
2023	1	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2016	3	$257,581
1980	32	$112,191
2010	10	$108,501

City page: Flood insurance in Corpus Christi, TX
State page: Flood insurance in Texas
Other ZIPs in Corpus Christi: 78418 , 78414 , 78413 , 78412 , 78411
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed