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Flood Figures

ZIP 78539 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, 885 NFIP flood insurance policies are in force in ZIP 78539 (Edinburg, TX), with 404 flood claims recorded since 1978.

Policies & premiums

Policies in force
885
Median annual premium
$377
premium only
Median annual cost
$535
premium + fees & surcharges
Mean annual premium
$450
premium only
Policies in SFHA zones
10.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$200,752,600
Contents coverage in force
$80,798,000

"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 78539 by rated flood zone
Policies Share Share bar
X 777 87.8%
AH 86 9.7%
B 9 1.0%
AHB 4 0.5%
C 4 0.5%
A 3 0.3%
AE 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 78539 by occupancy type
Policies Share Share bar
Single-family homes 799 90.3%
Non-residential buildings 67 7.6%
Multi-unit buildings 16 1.8%
Units in multi-unit buildings 3 0.3%

Claims history since 1978

Claims since 1978
404
Total paid
$5,241,346
Paid on buildings
$4,303,999
Paid on contents
$937,347
NFIP claims filed per year in ZIP 78539, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 30 $111,984
1980 140 $598,641
1981 7 $13,072
1982 4 $2,655
1983 4 $8,470
1984 5 $3,776
1988 2 $212
1989 1 $0
1990 1 $0
1991 4 $6,410
1994 1 $2,255
1996 1 $739
1997 2 $772
2001 7 $33,348
2002 3 $8,357
2003 3 $2,996
2004 2 $19,712
2005 2 $0
2006 6 $268,980
2008 42 $570,649
2010 2 $47,894
2011 2 $0
2012 4 $265,720
2014 1 $0
2015 9 $135,931
2016 10 $244,607
2018 16 $521,505
2019 1 $11,669
2020 82 $2,231,909
2021 1 $0
2022 2 $10,242
2023 1 $0
2025 5 $118,841

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 82 $2,231,909
1980 140 $598,641
2008 42 $570,649

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