OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Galveston County, Texas

In June 2026, NFIP policies newly written or renewed in Galveston County averaged $1,261 in premium and $1,608 in total policy cost across 7,270 transactions.

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.

Average premium
$1,261

newly written or renewed policies

Average total cost
$1,608

premium plus included fees

Transactions
7,270

minimum published threshold: 100

State premium rank
7 of 35

eligible counties in Texas

Galveston County, state, and national comparison

The county average premium was 33.4% above the state transaction average and 25.9% above the national transaction average. Its total policy cost was 31.7% above the state figure and 24.8% above the national figure.

GeographyAvg premiumAvg total costTransactions
Galveston County$1,261$1,6087,270
Texas$945$1,22173,547
United States$1,001$1,289452,418

Galveston County's 7,270 transactions carry volume rank 10 of 330. The more important price context is its $1,261 average premium at 33.4% above the state transaction average, rather than treating the large sample as a quote.

Descriptive rank context

Premium in Texas
7 of 35
Premium nationally
96 of 330
Transaction volume nationally
10 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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