Skip to content
Flood Figures

ZIP 78645 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, 608 NFIP flood insurance policies are in force in ZIP 78645 (Leander, TX), with 138 flood claims recorded since 1978.

Policies & premiums

Policies in force
608
Median annual premium
$861
premium only
Median annual cost
$1,199
premium + fees & surcharges
Mean annual premium
$1,057
premium only
Policies in SFHA zones
85.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$115,717,800
Contents coverage in force
$16,617,000

"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 78645 by rated flood zone
Policies Share Share bar
AE 545 89.6%
X 60 9.9%
A 3 0.5%

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 78645 by occupancy type
Policies Share Share bar
Single-family homes 298 49.0%
Multi-unit buildings 259 42.6%
Units in multi-unit buildings 46 7.6%
Non-residential buildings 3 0.5%
Mobile homes 2 0.3%

Claims history since 1978

Claims since 1978
138
Total paid
$2,701,610
Paid on buildings
$2,371,174
Paid on contents
$266,486
NFIP claims filed per year in ZIP 78645, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1987 2 $11,136
1991 15 $199,274
1992 3 $1,000
1997 32 $696,400
2001 2 $4,308
2002 4 $3,894
2004 5 $115,586
2006 2 $25,943
2007 28 $703,436
2010 2 $0
2012 1 $0
2017 2 $0
2018 38 $924,907
2019 1 $15,725
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2018 38 $924,907
2007 28 $703,436
1997 32 $696,400

Related pages