Data · May 2026 data · 13-month trend
Texas Flood Insurance Costs
Flood insurance policies newly written or renewed in Texas during May 2026 carried an average premium of $966. The state pays less than the country as a whole — 1.7% under the $982 national average. That represents an 8.6% increase year over year. 48,738 policies were written or renewed statewide that month; Donley County was the priciest county at $3,014 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $966
- Avg total cost (with fees)
- $1,248
- Change (year over year)
- +8.6%
- vs national average
- -1.7%
- Policies written or renewed
- 48,738
- Counties reporting
- 189
Texas trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $889 | $1,158 | 55,816 | |
| June 2025 | $867 | $1,127 | 81,217 | |
| July 2025 | $859 | $1,117 | 91,748 | |
| August 2025 | $929 | $1,204 | 65,320 | |
| September 2025 | $884 | $1,152 | 56,979 | |
| October 2025 | $927 | $1,205 | 52,471 | |
| November 2025 | $949 | $1,235 | 34,420 | |
| December 2025 | $991 | $1,291 | 30,080 | |
| January 2026 | $1,017 | $1,325 | 25,130 | |
| February 2026 | $994 | $1,294 | 27,556 | |
| March 2026 | $1,007 | $1,309 | 34,916 | |
| April 2026 | $997 | $1,291 | 39,187 | |
| May 2026 | $966 | $1,248 | 48,738 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Donley County | $3,014 | $3,854 | 1 | |
| Culberson County | $2,565 | $3,324 | 4 | |
| Starr County | $2,507 | $3,091 | 11 | |
| Sutton County | $2,406 | $3,023 | 2 | |
| Kimble County | $2,139 | $2,737 | 8 | |
| Rains County | $1,900 | $2,427 | 2 | |
| Bandera County | $1,866 | $2,398 | 29 | |
| Gregg County | $1,810 | $2,262 | 29 | |
| Crockett County | $1,805 | $2,352 | 3 | |
| Blanco County | $1,758 | $2,184 | 6 | |
| Calhoun County | $1,641 | $2,146 | 139 | |
| Robertson County | $1,611 | $2,067 | 12 | |
| Burnet County | $1,592 | $2,049 | 119 | |
| Howard County | $1,546 | $2,065 | 8 | |
| Kerr County | $1,522 | $1,987 | 47 | |
| Eastland County | $1,515 | $1,972 | 8 | |
| Runnels County | $1,511 | $2,080 | 1 | |
| Lavaca County | $1,507 | $1,920 | 13 | |
| Real County | $1,426 | $1,905 | 12 | |
| Guadalupe County | $1,405 | $1,815 | 209 | |
| Cherokee County | $1,399 | $1,768 | 5 | |
| Llano County | $1,344 | $1,768 | 98 | |
| Hudspeth County | $1,326 | $1,862 | 1 | |
| Caldwell County | $1,318 | $1,689 | 11 | |
| Fayette County | $1,315 | $1,737 | 12 | |
| Collin County | $1,306 | $1,679 | 121 | |
| Orange County | $1,278 | $1,606 | 1,134 | |
| Matagorda County | $1,255 | $1,646 | 225 | |
| Hays County | $1,247 | $1,640 | 147 | |
| Wise County | $1,228 | $1,597 | 15 | |
| Galveston County | $1,220 | $1,563 | 5,377 | |
| Jones County | $1,203 | $1,492 | 5 | |
| Aransas County | $1,202 | $1,591 | 378 | |
| Maverick County | $1,194 | $1,564 | 19 | |
| Comal County | $1,173 | $1,518 | 190 | |
| Colorado County | $1,151 | $1,502 | 25 | |
| Kendall County | $1,147 | $1,443 | 39 | |
| Leon County | $1,127 | $1,514 | 2 | |
| Hill County | $1,125 | $1,475 | 6 | |
| Brown County | $1,119 | $1,458 | 31 | |
| Bell County | $1,110 | $1,458 | 68 | |
| Gonzales County | $1,103 | $1,481 | 21 | |
| Wilbarger County | $1,097 | $1,479 | 2 | |
| Scurry County | $1,088 | $1,581 | 2 | |
| Harrison County | $1,079 | $1,398 | 13 | |
| Ellis County | $1,079 | $1,388 | 42 | |
| Bastrop County | $1,070 | $1,371 | 37 | |
| Angelina County | $1,067 | $1,385 | 29 | |
| Hopkins County | $1,063 | $1,551 | 1 | |
| Zavala County | $1,062 | $1,437 | 6 | |
| Val Verde County | $1,056 | $1,363 | 15 | |
| Presidio County | $1,053 | $1,540 | 2 | |
| Bosque County | $1,046 | $1,431 | 9 | |
| Kaufman County | $1,045 | $1,335 | 15 | |
| Tyler County | $1,044 | $1,327 | 10 | |
| Hunt County | $1,031 | $1,307 | 12 | |
| Brazoria County | $1,027 | $1,313 | 2,534 | |
| Lubbock County | $1,018 | $1,381 | 92 | |
| Jefferson County | $1,017 | $1,300 | 1,675 | |
| Jim Hogg County | $1,016 | $1,327 | 4 | |
| Brooks County | $1,006 | $1,359 | 9 | |
| Comanche County | $1,005 | $1,314 | 4 | |
| Cooke County | $993 | $1,325 | 14 | |
| Coleman County | $993 | $1,244 | 1 | |
| Lipscomb County | $992 | $1,242 | 2 | |
| Harris County | $990 | $1,268 | 19,309 | |
| Palo Pinto County | $990 | $1,353 | 20 | |
| Travis County | $986 | $1,295 | 553 | |
| DeWitt County | $984 | $1,305 | 19 | |
| Live Oak County | $978 | $1,259 | 7 | |
| Goliad County | $976 | $1,280 | 4 | |
| Uvalde County | $973 | $1,392 | 34 | |
| McMullen County | $971 | $1,443 | 1 | |
| Burleson County | $965 | $1,267 | 12 | |
| Hood County | $962 | $1,302 | 43 | |
| Willacy County | $960 | $1,268 | 50 | |
| Polk County | $955 | $1,281 | 41 | |
| FIPS 48000 | $946 | $1,227 | 40 | |
| Nacogdoches County | $944 | $1,273 | 13 | |
| Parker County | $941 | $1,225 | 37 | |
| Chambers County | $940 | $1,200 | 306 | |
| Wharton County | $932 | $1,207 | 118 | |
| San Patricio County | $931 | $1,236 | 188 | |
| Johnson County | $930 | $1,224 | 45 | |
| Yoakum County | $929 | $1,168 | 4 | |
| McLennan County | $927 | $1,218 | 77 | |
| Madison County | $924 | $1,162 | 2 | |
| Smith County | $920 | $1,204 | 44 | |
| Shackelford County | $918 | $1,155 | 1 | |
| Karnes County | $896 | $1,186 | 4 | |
| Bexar County | $892 | $1,163 | 402 | |
| Rockwall County | $891 | $1,192 | 13 | |
| Nolan County | $891 | $1,123 | 5 | |
| Jasper County | $888 | $1,168 | 19 | |
| Medina County | $882 | $1,147 | 26 | |
| Walker County | $881 | $1,165 | 34 | |
| Wichita County | $875 | $1,172 | 64 | |
| Montgomery County | $870 | $1,120 | 1,765 | |
| Jackson County | $861 | $1,151 | 39 | |
| Gillespie County | $860 | $1,218 | 24 | |
| Wilson County | $855 | $1,116 | 13 | |
| Bowie County | $855 | $1,139 | 23 | |
| Grayson County | $853 | $1,108 | 23 | |
| Grimes County | $845 | $1,102 | 20 | |
| San Jacinto County | $844 | $1,165 | 30 | |
| Williamson County | $841 | $1,090 | 164 | |
| Austin County | $836 | $1,109 | 44 | |
| Kleberg County | $832 | $1,082 | 32 | |
| Navarro County | $823 | $1,118 | 12 | |
| Hardin County | $807 | $1,046 | 234 | |
| Fort Bend County | $805 | $1,037 | 3,302 | |
| Tarrant County | $805 | $1,063 | 481 | |
| Liberty County | $804 | $1,049 | 134 | |
| Wood County | $803 | $1,132 | 4 | |
| Cass County | $801 | $1,129 | 2 | |
| San Saba County | $799 | $1,090 | 3 | |
| Erath County | $796 | $1,140 | 7 | |
| Webb County | $789 | $1,132 | 68 | |
| Van Zandt County | $785 | $1,078 | 14 | |
| Henderson County | $784 | $1,102 | 15 | |
| Lee County | $765 | $1,087 | 2 | |
| Nueces County | $760 | $1,021 | 2,688 | |
| Waller County | $757 | $1,003 | 167 | |
| Limestone County | $754 | $962 | 5 | |
| Victoria County | $743 | $1,004 | 98 | |
| Denton County | $739 | $983 | 150 | |
| Fannin County | $732 | $981 | 20 | |
| Washington County | $722 | $1,037 | 10 | |
| Midland County | $721 | $986 | 86 | |
| Titus County | $721 | $979 | 4 | |
| Duval County | $708 | $1,020 | 2 | |
| Newton County | $707 | $911 | 42 | |
| Randall County | $695 | $952 | 34 | |
| Lamar County | $694 | $1,012 | 13 | |
| Clay County | $694 | $965 | 3 | |
| Atascosa County | $691 | $944 | 16 | |
| Shelby County | $670 | $1,003 | 8 | |
| Cameron County | $664 | $906 | 1,531 | |
| Menard County | $661 | $1,049 | 8 | |
| Coryell County | $654 | $933 | 10 | |
| Hockley County | $651 | $840 | 2 | |
| Somervell County | $650 | $1,040 | 9 | |
| Refugio County | $645 | $865 | 7 | |
| Ector County | $630 | $897 | 83 | |
| Montague County | $626 | $886 | 3 | |
| Taylor County | $624 | $876 | 212 | |
| Jim Wells County | $622 | $886 | 42 | |
| Archer County | $616 | $799 | 6 | |
| Rusk County | $605 | $843 | 4 | |
| El Paso County | $605 | $847 | 221 | |
| Bee County | $604 | $897 | 36 | |
| Sabine County | $578 | $754 | 1 | |
| Brazos County | $577 | $804 | 138 | |
| Lampasas County | $569 | $889 | 17 | |
| Tom Green County | $568 | $803 | 37 | |
| Milam County | $566 | $739 | 2 | |
| Brewster County | $558 | $753 | 10 | |
| Dallam County | $543 | $938 | 1 | |
| Houston County | $528 | $770 | 9 | |
| Dallas County | $526 | $693 | 929 | |
| Hidalgo County | $524 | $719 | 789 | |
| Frio County | $491 | $801 | 3 | |
| Swisher County | $462 | $617 | 3 | |
| Haskell County | $460 | $743 | 7 | |
| Stephens County | $456 | $685 | 6 | |
| Morris County | $444 | $595 | 2 | |
| Young County | $442 | $669 | 6 | |
| San Augustine County | $434 | $584 | 1 | |
| Freestone County | $431 | $806 | 1 | |
| Potter County | $418 | $588 | 10 | |
| Zapata County | $415 | $651 | 5 | |
| Marion County | $414 | $561 | 1 | |
| Upshur County | $404 | $549 | 2 | |
| Deaf Smith County | $402 | $771 | 3 | |
| Gray County | $378 | $518 | 1 | |
| Trinity County | $377 | $517 | 4 | |
| Carson County | $373 | $512 | 2 | |
| Bailey County | $367 | $618 | 2 | |
| Terry County | $364 | $502 | 1 | |
| Crosby County | $355 | $491 | 1 | |
| Anderson County | $349 | $559 | 3 | |
| Coke County | $337 | $470 | 1 | |
| Hale County | $335 | $467 | 3 | |
| Dimmit County | $320 | $584 | 5 | |
| Floyd County | $298 | $649 | 1 | |
| Cochran County | $274 | $620 | 1 | |
| Panola County | $267 | $387 | 2 | |
| Franklin County | $262 | $606 | 1 | |
| Collingsworth County | $258 | $601 | 1 |
Use this data
Download Texas CSV (texas.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Texas Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/texas
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.