Insurance research and data

Flood maps, disaster declarations and policy counts are published by government agencies, but they are spread across large datasets and are easy to misquote. Each study here pulls the official figures together, explains what they count and what they leave out, and links every number to its source.

Studies

• The Texas flood insurance gap, county by county

  48.4% NFIP take-up rate in Harris County's high-risk flood zone on August 3, 2026 (flood policies as a share of homes); 40.0% across the 126 Texas counties with usable FEMA data.

  NFIP take-up rates for every Texas county, inside and outside FEMA's high-risk zone, set against each county's flood disasters since 2000.

  Published November 11, 2026 · CSV

How we work

• Public data from named sources, mostly federal and state agencies. Every figure gives its source and period.
• Our own calculations are labeled as ours, with the method and the limits of the data on the page.
• No prices or premiums, and no rankings of insurance companies.
• Spotted an error? Tell us and we will correct it and note the change on the page.

Using our data

Each study’s data is free to download as a CSV and free to use with credit to Quote My Policy and a link to the study (CC BY 4.0). Reporters and researchers can email info@quotemypolicy.com.

Sources

1. Federal Emergency Management Agency, NFIP Residential Penetration Rates (OpenFEMA, v1). As of August 3, 2026.
2. Federal Emergency Management Agency, Disaster Declarations Summaries (OpenFEMA, v2). Texas declarations since January 1, 2000.