Flood Risk & Insurance Costs in San Patricio County, TX

Understanding flood insurance options and risk factors in San Patricio County.

Median Home Value

$163,900

Est. NFIP Premium

$656/yr

Est. Private Premium

$492/yr

Potential Savings

$164/yr

NFIP vs. Private Flood Insurance

NFIP (Federal)

Annual Premium$656
Monthly Cost$55
Max Building Coverage$250,000
Max Contents Coverage$100,000

Private Flood Insurance

Annual Premium$492
Monthly Cost$41
Building CoverageUp to full value
Contents CoverageCustomizable

Flood Risk Context for San Patricio County

San Patricio County in Texas has a median home value of $163,900 and median household income of $63,842. A major flood event could cause up to $40,975 in damage to a median-value home.

Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with Monte Carlo simulation of 10,000 flood scenarios.

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Other Counties in Texas

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: FEMA NFIP, state insurance departments. Estimates are county-level approximations and may not reflect specific properties or flood zones. This is not insurance advice.