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Flood Figures

ZIP 78501 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, 725 NFIP flood insurance policies are in force in ZIP 78501 (Mcallen, TX), with 435 flood claims recorded since 1978.

Policies & premiums

Policies in force
725
Median annual premium
$452
premium only
Median annual cost
$647
premium + fees & surcharges
Mean annual premium
$496
premium only
Policies in SFHA zones
0.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$171,952,000
Contents coverage in force
$70,965,000

"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 78501 by rated flood zone
Policies Share Share bar
B 434 59.9%
X 149 20.6%
C 141 19.4%
AH 1 0.1%

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 78501 by occupancy type
Policies Share Share bar
Single-family homes 611 84.3%
Non-residential buildings 81 11.2%
Multi-unit buildings 20 2.8%
Mobile homes 11 1.5%
Units in multi-unit buildings 2 0.3%

Claims history since 1978

Claims since 1978
435
Total paid
$6,458,807
Paid on buildings
$4,976,484
Paid on contents
$1,482,323
NFIP claims filed per year in ZIP 78501, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $4,429
1979 7 $17,992
1980 129 $962,248
1981 7 $6,883
1982 5 $5,743
1983 3 $0
1984 1 $20
1985 2 $1,857
1987 1 $0
1988 1 $0
1989 1 $36,392
1991 2 $5,596
1993 1 $17,160
1994 5 $20,646
1995 1 $2,195
1996 1 $5,881
2001 9 $106,941
2002 4 $68,249
2003 12 $177,652
2005 2 $17,970
2006 16 $246,293
2007 14 $164,320
2008 24 $115,645
2009 3 $35,093
2010 2 $32,348
2011 2 $34,608
2012 84 $2,216,595
2014 6 $71,298
2015 6 $24,373
2016 3 $15,982
2018 38 $1,157,812
2019 2 $8,622
2020 19 $77,600
2021 4 $0
2022 1 $0
2025 16 $800,364

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2012 84 $2,216,595
2018 38 $1,157,812
1980 129 $962,248

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