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Flood Figures

ZIP 78746 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, 292 NFIP flood insurance policies are in force in ZIP 78746 (Austin, TX), with 161 flood claims recorded since 1978.

Policies & premiums

Policies in force
292
Median annual premium
$581
premium only
Median annual cost
$820
premium + fees & surcharges
Mean annual premium
$823
premium only
Policies in SFHA zones
36.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$70,944,000
Contents coverage in force
$24,143,000

"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 78746 by rated flood zone
Policies Share Share bar
X 187 64.0%
AE 73 25.0%
A 32 11.0%

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 78746 by occupancy type
Policies Share Share bar
Single-family homes 221 75.7%
Non-residential buildings 30 10.3%
Multi-unit buildings 24 8.2%
Units in multi-unit buildings 17 5.8%

Claims history since 1978

Claims since 1978
161
Total paid
$2,024,872
Paid on buildings
$1,828,732
Paid on contents
$196,140
NFIP claims filed per year in ZIP 78746, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1981 35 $154,510
1983 1 $189
1984 8 $58,442
1986 2 $1,724
1987 2 $4,316
1989 5 $1,422
1991 7 $103,111
1994 5 $36,362
1995 5 $6,048
1996 1 $8,200
1997 3 $71,559
1998 12 $152,589
1999 1 $0
2000 2 $26,028
2001 18 $347,923
2002 3 $0
2004 5 $76,590
2007 2 $0
2010 9 $245,287
2012 1 $3,238
2013 14 $447,213
2014 2 $10,715
2015 14 $225,929
2018 1 $0
2019 2 $43,476
2021 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2013 14 $447,213
2001 18 $347,923
2010 9 $245,287

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