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Flood Figures

ZIP 78745 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, 476 NFIP flood insurance policies are in force in ZIP 78745 (Austin, TX), with 315 flood claims recorded since 1978.

Policies & premiums

Policies in force
476
Median annual premium
$1,091
premium only
Median annual cost
$1,471
premium + fees & surcharges
Mean annual premium
$1,223
premium only
Policies in SFHA zones
69.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$110,792,000
Contents coverage in force
$21,956,000

"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 78745 by rated flood zone
Policies Share Share bar
AE 333 70.0%
X 143 30.0%

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 78745 by occupancy type
Policies Share Share bar
Single-family homes 399 83.8%
Multi-unit buildings 56 11.8%
Non-residential buildings 12 2.5%
Units in multi-unit buildings 9 1.9%

Claims history since 1978

Claims since 1978
315
Total paid
$5,674,858
Paid on buildings
$4,603,328
Paid on contents
$1,071,531
NFIP claims filed per year in ZIP 78745, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $1,344
1981 16 $104,020
1982 2 $1,770
1983 2 $0
1984 2 $4,374
1986 1 $0
1987 1 $27,706
1991 15 $149,619
1992 2 $1,572
1994 2 $18,854
1997 2 $10,743
1998 60 $1,278,945
2000 1 $5,280
2001 56 $950,123
2002 4 $14,934
2004 8 $52,368
2005 2 $9,980
2006 2 $0
2007 4 $60,319
2009 3 $3,426
2010 3 $10,982
2012 5 $28,986
2013 85 $2,380,478
2014 6 $131,265
2015 20 $324,591
2017 2 $0
2018 1 $0
2019 3 $84,455
2021 2 $18,725
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2013 85 $2,380,478
1998 60 $1,278,945
2001 56 $950,123

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