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Flood Figures

ZIP 78751 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, 398 NFIP flood insurance policies are in force in ZIP 78751 (Austin, TX), with 92 flood claims recorded since 1978.

Policies & premiums

Policies in force
398
Median annual premium
$591
premium only
Median annual cost
$872
premium + fees & surcharges
Mean annual premium
$679
premium only
Policies in SFHA zones
70.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$69,622,000
Contents coverage in force
$13,231,000

"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 78751 by rated flood zone
Policies Share Share bar
AE 325 81.7%
X 73 18.3%

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 78751 by occupancy type
Policies Share Share bar
Multi-unit buildings 213 53.5%
Single-family homes 132 33.2%
Units in multi-unit buildings 41 10.3%
Non-residential buildings 12 3.0%

Claims history since 1978

Claims since 1978
92
Total paid
$1,581,906
Paid on buildings
$1,448,248
Paid on contents
$133,658
NFIP claims filed per year in ZIP 78751, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $0
1981 9 $72,054
1982 5 $17,355
1983 1 $0
1985 1 $0
1987 1 $0
1991 5 $19,238
1992 2 $0
1995 1 $0
2001 6 $225,326
2002 2 $60,766
2004 20 $397,952
2013 1 $0
2014 6 $102,618
2015 26 $656,175
2020 3 $0
2025 2 $30,423

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2015 26 $656,175
2004 20 $397,952
2001 6 $225,326

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