Data · July 2026 data · 15-month trend
Texas Flood Insurance Costs
Flood insurance policies newly written or renewed in Texas during July 2026 carried an average premium of $944. The state pays less than the country as a whole — 4.2% under the $986 national average. That represents a 9.9% increase year over year. 83,960 policies were written or renewed statewide that month; McMullen County was the priciest county at $3,653 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 — July 2026
- Average premium
- $944
- Avg total cost (with fees)
- $1,218
- Change (year over year)
- +9.9%
- vs national average
- -4.2%
- Policies written or renewed
- 83,960
- Counties reporting
- 187
Texas trend, last 15 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 | $890 | $1,159 | 55,842 | |
| June 2025 | $867 | $1,127 | 81,253 | |
| July 2025 | $859 | $1,117 | 91,797 | |
| August 2025 | $929 | $1,204 | 65,372 | |
| September 2025 | $884 | $1,152 | 57,037 | |
| October 2025 | $927 | $1,206 | 52,505 | |
| November 2025 | $949 | $1,236 | 34,464 | |
| December 2025 | $991 | $1,291 | 30,113 | |
| January 2026 | $1,016 | $1,323 | 25,209 | |
| February 2026 | $995 | $1,295 | 27,575 | |
| March 2026 | $1,008 | $1,310 | 34,944 | |
| April 2026 | $998 | $1,292 | 39,238 | |
| May 2026 | $968 | $1,251 | 51,835 | |
| June 2026 | $945 | $1,221 | 73,547 | |
| July 2026 | $944 | $1,218 | 83,960 |
County breakdown — July 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 |
|---|---|---|---|---|
| McMullen County | $3,653 | $4,608 | 1 | |
| Falls County | $2,703 | $3,487 | 1 | |
| Kimble County | $2,523 | $3,162 | 6 | |
| Sutton County | $2,250 | $2,877 | 3 | |
| Crockett County | $2,192 | $2,659 | 1 | |
| Lee County | $2,114 | $2,567 | 2 | |
| Kerr County | $1,911 | $2,419 | 49 | |
| Reeves County | $1,862 | $2,494 | 1 | |
| Somervell County | $1,787 | $2,349 | 4 | |
| Scurry County | $1,743 | $2,278 | 3 | |
| Palo Pinto County | $1,728 | $2,224 | 18 | |
| Martin County | $1,659 | $2,255 | 1 | |
| Gonzales County | $1,619 | $2,139 | 23 | |
| Yoakum County | $1,566 | $2,032 | 2 | |
| Llano County | $1,549 | $2,024 | 107 | |
| Cherokee County | $1,549 | $1,925 | 9 | |
| Nacogdoches County | $1,517 | $1,983 | 26 | |
| Brewster County | $1,451 | $1,878 | 12 | |
| Limestone County | $1,448 | $1,877 | 14 | |
| Calhoun County | $1,428 | $1,874 | 279 | |
| Burnet County | $1,415 | $1,840 | 112 | |
| Guadalupe County | $1,383 | $1,769 | 237 | |
| Wheeler County | $1,307 | $1,839 | 1 | |
| Bandera County | $1,303 | $1,696 | 34 | |
| Orange County | $1,287 | $1,622 | 1,778 | |
| Matagorda County | $1,264 | $1,641 | 347 | |
| Bastrop County | $1,264 | $1,607 | 51 | |
| Aransas County | $1,244 | $1,641 | 586 | |
| Kendall County | $1,216 | $1,561 | 54 | |
| McCulloch County | $1,194 | $1,481 | 2 | |
| Cooke County | $1,194 | $1,543 | 18 | |
| Van Zandt County | $1,186 | $1,560 | 23 | |
| Comal County | $1,182 | $1,540 | 174 | |
| Lavaca County | $1,168 | $1,529 | 17 | |
| Wilson County | $1,167 | $1,514 | 24 | |
| Garza County | $1,161 | $1,667 | 1 | |
| Galveston County — June 2026 profile | $1,157 | $1,484 | 8,464 | |
| Live Oak County | $1,147 | $1,453 | 8 | |
| Angelina County | $1,138 | $1,476 | 33 | |
| Clay County | $1,109 | $1,425 | 5 | |
| Atascosa County | $1,104 | $1,430 | 16 | |
| Fannin County | $1,091 | $1,416 | 12 | |
| Gregg County | $1,082 | $1,401 | 30 | |
| Val Verde County | $1,077 | $1,459 | 27 | |
| Harrison County | $1,044 | $1,387 | 19 | |
| Jefferson County — June 2026 profile | $1,037 | $1,328 | 3,616 | |
| Hunt County | $1,037 | $1,334 | 23 | |
| Grayson County | $1,032 | $1,369 | 37 | |
| Brown County | $1,025 | $1,362 | 42 | |
| Menard County | $1,012 | $1,266 | 1 | |
| Fayette County | $1,011 | $1,329 | 28 | |
| Jones County | $1,009 | $1,308 | 10 | |
| Houston County | $988 | $1,266 | 8 | |
| Hamilton County | $983 | $1,345 | 2 | |
| Dallas County | $983 | $1,287 | 595 | |
| Jeff Davis County | $973 | $1,220 | 1 | |
| Harris County — June 2026 profile | $972 | $1,245 | 36,137 | |
| Hays County | $958 | $1,284 | 163 | |
| Brazoria County — June 2026 profile | $951 | $1,217 | 4,176 | |
| Titus County | $950 | $1,305 | 2 | |
| Chambers County | $947 | $1,210 | 601 | |
| Walker County | $941 | $1,217 | 72 | |
| Jackson County | $938 | $1,209 | 69 | |
| Eastland County | $938 | $1,263 | 8 | |
| Medina County | $936 | $1,228 | 31 | |
| Polk County | $927 | $1,256 | 55 | |
| Hood County | $926 | $1,192 | 58 | |
| Caldwell County | $925 | $1,214 | 22 | |
| DeWitt County | $924 | $1,207 | 30 | |
| Bosque County | $923 | $1,273 | 4 | |
| San Jacinto County | $921 | $1,231 | 44 | |
| Erath County | $917 | $1,204 | 9 | |
| Robertson County | $907 | $1,212 | 13 | |
| Tyler County | $906 | $1,162 | 11 | |
| Colorado County | $902 | $1,211 | 39 | |
| Travis County | $902 | $1,178 | 731 | |
| Parker County | $899 | $1,170 | 49 | |
| Lampasas County | $899 | $1,157 | 19 | |
| Henderson County | $893 | $1,215 | 20 | |
| Brooks County | $890 | $1,215 | 22 | |
| Tarrant County | $889 | $1,172 | 509 | |
| Williamson County | $887 | $1,140 | 208 | |
| Rockwall County | $883 | $1,124 | 21 | |
| Upshur County | $881 | $1,186 | 12 | |
| Gillespie County | $875 | $1,180 | 18 | |
| San Patricio County | $869 | $1,150 | 339 | |
| Anderson County | $863 | $1,090 | 7 | |
| Nueces County — June 2026 profile | $862 | $1,153 | 3,357 | |
| Lubbock County | $857 | $1,155 | 88 | |
| Blanco County | $856 | $1,120 | 12 | |
| Navarro County | $852 | $1,133 | 20 | |
| Collin County | $851 | $1,096 | 156 | |
| Johnson County | $850 | $1,155 | 65 | |
| Washington County | $849 | $1,113 | 23 | |
| Wichita County | $844 | $1,111 | 53 | |
| Bee County | $843 | $1,159 | 39 | |
| Jasper County | $835 | $1,081 | 46 | |
| Leon County | $832 | $1,054 | 4 | |
| Real County | $831 | $1,187 | 10 | |
| Wise County | $829 | $1,086 | 20 | |
| Grimes County | $823 | $1,106 | 32 | |
| Smith County | $816 | $1,082 | 66 | |
| Nolan County | $815 | $1,123 | 5 | |
| Freestone County | $810 | $1,118 | 10 | |
| Montgomery County — June 2026 profile | $808 | $1,046 | 3,367 | |
| Ellis County | $807 | $1,051 | 34 | |
| Stephens County | $805 | $1,162 | 8 | |
| Wood County | $801 | $1,092 | 3 | |
| Kaufman County | $796 | $1,070 | 23 | |
| Hopkins County | $794 | $1,084 | 6 | |
| Wharton County | $787 | $1,035 | 268 | |
| Fort Bend County — June 2026 profile | $785 | $1,011 | 6,767 | |
| Waller County | $775 | $1,025 | 282 | |
| Randall County | $772 | $1,019 | 44 | |
| Austin County | $768 | $1,007 | 70 | |
| Bexar County | $766 | $1,014 | 546 | |
| Rusk County | $766 | $976 | 5 | |
| Hardin County | $765 | $1,002 | 383 | |
| Kleberg County | $762 | $998 | 93 | |
| Bell County | $750 | $1,020 | 82 | |
| McLennan County | $746 | $1,005 | 85 | |
| Liberty County | $742 | $980 | 283 | |
| Zavala County | $741 | $1,022 | 9 | |
| Webb County | $741 | $1,070 | 69 | |
| Starr County | $738 | $1,003 | 30 | |
| Uvalde County | $734 | $1,017 | 17 | |
| Jim Wells County | $732 | $984 | 64 | |
| Cass County | $730 | $1,159 | 3 | |
| Howard County | $726 | $1,064 | 5 | |
| Lamar County | $723 | $987 | 18 | |
| Tom Green County | $720 | $978 | 36 | |
| Archer County | $716 | $1,030 | 4 | |
| Denton County | $716 | $955 | 167 | |
| Hill County | $711 | $943 | 7 | |
| Ector County | $708 | $972 | 87 | |
| Willacy County | $702 | $983 | 88 | |
| Taylor County | $693 | $942 | 195 | |
| Refugio County | $692 | $1,001 | 16 | |
| Coryell County | $685 | $896 | 14 | |
| San Saba County | $682 | $952 | 3 | |
| Comanche County | $670 | $976 | 4 | |
| Bowie County | $667 | $945 | 26 | |
| Victoria County | $667 | $890 | 149 | |
| Burleson County | $664 | $881 | 9 | |
| Newton County | $660 | $858 | 31 | |
| Midland County | $654 | $886 | 110 | |
| Young County | $641 | $866 | 6 | |
| Frio County | $632 | $930 | 2 | |
| Panola County | $631 | $817 | 1 | |
| Dawson County | $628 | $813 | 2 | |
| Cameron County — June 2026 profile | $624 | $845 | 3,152 | |
| FIPS 48000 | $624 | $1,033 | 2 | |
| Brazos County | $623 | $860 | 186 | |
| San Augustine County | $622 | $1,031 | 3 | |
| El Paso County | $615 | $873 | 311 | |
| Montague County | $612 | $907 | 4 | |
| Duval County | $596 | $775 | 2 | |
| Maverick County | $584 | $846 | 16 | |
| Shackelford County | $580 | $868 | 4 | |
| Milam County | $564 | $782 | 5 | |
| Presidio County | $561 | $808 | 3 | |
| Hutchinson County | $560 | $733 | 1 | |
| Goliad County | $554 | $822 | 7 | |
| Potter County | $553 | $807 | 11 | |
| Zapata County | $540 | $709 | 2 | |
| Hidalgo County | $535 | $734 | 2,175 | |
| Runnels County | $518 | $908 | 2 | |
| Haskell County | $501 | $738 | 6 | |
| Madison County | $499 | $795 | 5 | |
| Coleman County | $497 | $658 | 1 | |
| Hockley County | $490 | $695 | 5 | |
| Collingsworth County | $465 | $621 | 2 | |
| Donley County | $451 | $829 | 1 | |
| Trinity County | $437 | $620 | 7 | |
| Wilbarger County | $424 | $572 | 1 | |
| Shelby County | $404 | $548 | 2 | |
| Hudspeth County | $386 | $527 | 1 | |
| Andrews County | $386 | $677 | 3 | |
| Rains County | $381 | $521 | 2 | |
| Dallam County | $380 | $520 | 1 | |
| Hale County | $371 | $566 | 4 | |
| Swisher County | $366 | $504 | 2 | |
| Castro County | $343 | $477 | 2 | |
| Gaines County | $329 | $460 | 1 | |
| Carson County | $314 | $443 | 1 | |
| Crosby County | $298 | $424 | 2 | |
| Moore County | $269 | $389 | 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 (NFIP Redacted Policies v3).
"Texas Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/texas
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.