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Flood Figures

ZIP 78610 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, 196 NFIP flood insurance policies are in force in ZIP 78610 (Buda, TX), with 67 flood claims recorded since 1978.

Policies & premiums

Policies in force
196
Median annual premium
$665
premium only
Median annual cost
$930
premium + fees & surcharges
Mean annual premium
$749
premium only
Policies in SFHA zones
28.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$44,257,000
Contents coverage in force
$18,558,000

"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 78610 by rated flood zone
Policies Share Share bar
X 141 71.9%
AE 40 20.4%
A 15 7.7%

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 78610 by occupancy type
Policies Share Share bar
Single-family homes 164 83.7%
Non-residential buildings 17 8.7%
Multi-unit buildings 12 6.1%
Mobile homes 2 1.0%
Units in multi-unit buildings 1 0.5%

Claims history since 1978

Claims since 1978
67
Total paid
$1,812,005
Paid on buildings
$1,646,673
Paid on contents
$165,333
NFIP claims filed per year in ZIP 78610, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1997 1 $0
1998 4 $10,272
2001 4 $90,681
2002 1 $11,276
2004 2 $2,444
2007 1 $390
2013 13 $379,298
2015 23 $1,045,300
2016 17 $257,431
2019 1 $14,913

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2015 23 $1,045,300
2013 13 $379,298
2016 17 $257,431

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