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Flood Figures

ZIP 78640 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, 156 NFIP flood insurance policies are in force in ZIP 78640 (Kyle, TX), with 19 flood claims recorded since 1978.

Policies & premiums

Policies in force
156
Median annual premium
$590
premium only
Median annual cost
$778
premium + fees & surcharges
Mean annual premium
$631
premium only
Policies in SFHA zones
30.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$35,269,000
Contents coverage in force
$12,073,000

"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 78640 by rated flood zone
Policies Share Share bar
X 109 69.9%
A 25 16.0%
AE 22 14.1%

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 78640 by occupancy type
Policies Share Share bar
Single-family homes 141 90.4%
Non-residential buildings 12 7.7%
Mobile homes 3 1.9%

Claims history since 1978

Claims since 1978
19
Total paid
$580,457
Paid on buildings
$422,964
Paid on contents
$157,492
NFIP claims filed per year in ZIP 78640, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1998 1 $5,565
2001 2 $3,442
2012 2 $20,151
2013 3 $81,113
2015 10 $470,186
2019 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2015 10 $470,186
2013 3 $81,113
2012 2 $20,151

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