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Flood Figures

ZIP 78520 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, 860 NFIP flood insurance policies are in force in ZIP 78520 (Brownsville, TX), with 342 flood claims recorded since 1978.

Policies & premiums

Policies in force
860
Median annual premium
$531
premium only
Median annual cost
$732
premium + fees & surcharges
Mean annual premium
$662
premium only
Policies in SFHA zones
31.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$198,514,000
Contents coverage in force
$75,500,000

"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 78520 by rated flood zone
Policies Share Share bar
X 548 63.7%
AH 133 15.5%
A 89 10.3%
AO 40 4.7%
C 34 4.0%
AHB 14 1.6%
B 2 0.2%

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 78520 by occupancy type
Policies Share Share bar
Single-family homes 652 75.8%
Non-residential buildings 134 15.6%
Multi-unit buildings 61 7.1%
Units in multi-unit buildings 8 0.9%
Mobile homes 5 0.6%

Claims history since 1978

Claims since 1978
342
Total paid
$3,913,741
Paid on buildings
$2,895,452
Paid on contents
$1,018,289
NFIP claims filed per year in ZIP 78520, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $935
1979 1 $604
1980 30 $170,220
1981 2 $1,156
1982 8 $2,570
1983 17 $96,105
1984 23 $41,896
1987 17 $18,762
1988 4 $1,818
1990 1 $0
1991 14 $40,737
1992 2 $0
1994 1 $0
1996 11 $70,882
1997 12 $27,531
2002 2 $33,879
2003 11 $114,729
2004 19 $214,644
2007 10 $257,701
2008 48 $162,443
2010 24 $1,137,296
2012 2 $32,352
2013 2 $0
2014 2 $308,700
2015 50 $1,033,311
2016 4 $22,597
2017 2 $0
2018 1 $20,014
2019 2 $72
2020 2 $650
2021 8 $82,111
2022 1 $0
2023 1 $0
2024 4 $20,026

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2010 24 $1,137,296
2015 50 $1,033,311
2014 2 $308,700

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