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Flood Figures

ZIP 78550 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, 1,994 NFIP flood insurance policies are in force in ZIP 78550 (Harlingen, TX), with 1,807 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,994
Median annual premium
$420
premium only
Median annual cost
$599
premium + fees & surcharges
Mean annual premium
$518
premium only
Policies in SFHA zones
8.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$435,261,600
Contents coverage in force
$160,399,000

"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 78550 by rated flood zone
Policies Share Share bar
X 1,787 89.6%
AE 120 6.0%
C 36 1.8%
AH 31 1.6%
A 16 0.8%
B 4 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 78550 by occupancy type
Policies Share Share bar
Single-family homes 1,566 78.5%
Non-residential buildings 202 10.1%
Multi-unit buildings 127 6.4%
Units in multi-unit buildings 57 2.9%
Mobile homes 42 2.1%

Claims history since 1978

Claims since 1978
1,807
Total paid
$61,858,619
Paid on buildings
$49,397,620
Paid on contents
$12,460,999
NFIP claims filed per year in ZIP 78550, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $30,041
1980 37 $60,522
1981 1 $0
1982 135 $1,090,779
1983 14 $72,426
1984 1 $750
1985 1 $1,160
1986 8 $55,769
1987 3 $26,434
1988 2 $0
1989 1 $0
1991 255 $3,820,431
1992 7 $7,102
1993 1 $0
1994 2 $26,659
1995 2 $0
1996 4 $1,680
1997 8 $46,042
1998 11 $18,033
1999 2 $17,247
2001 4 $10,222
2002 3 $16,360
2003 36 $556,121
2004 3 $5,881
2007 17 $183,839
2008 386 $5,675,069
2009 2 $0
2010 8 $22,497
2013 2 $25,297
2017 1 $0
2018 45 $742,184
2019 223 $10,036,626
2020 35 $321,626
2021 40 $1,089,673
2022 1 $0
2024 2 $0
2025 500 $37,898,147
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2025 500 $37,898,147
2019 223 $10,036,626
2008 386 $5,675,069

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