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Flood insurance cost · Brazoria County, TX

Flood insurance cost in Brazoria County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 27,047 home policies in force on August 31, 2026.

Brazoria County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $865 and $1,267. That is about the same as the Texas median ($1,084). Most insured homes here are rated in zone X (59%).

$0$865 · $1,086 · $1,267$1,584
+10.9% vs Aug 31, 2025 (median $979)
27,047home policies in force
$1,181average cost (mean)
41%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: No FEMA declaration · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Brazoria County.

Cost by flood zone in Brazoria County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$2,334$1,761–$3,055$2,594884 (3%)+3.4%
Zone AE
High risk		$1,185$970–$1,508$1,3369,051 (33%)+13.0%
Zone A
High risk		$1,008$818–$1,237$1,08191 (0%)+8.0%
Zone AO
High risk, shallow		$925$797–$1,182$1,0161,133 (4%)+5.5%
Zone AH
High risk, shallow		$758$676–$802$79536 (0%)+3.3%
Zone X
Moderate to low risk		$1,074$824–$1,235$1,02715,852 (59%)+15.4%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Brazoria County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home26,311$1,086$1,185
2–4 unit building84$1,184$1,373
Manufactured (mobile) home559$905$1,098
Condo or apartment unit93$385$515
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		216$1,712$2,645
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,158$2,066$2,652
28,421NFIP policies in force, any building
28,439insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Brazoria County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force29,39227,047−8.0%
Median annual cost$979$1,086+10.9%
Average annual cost$1,080$1,181+9.4%
All policies in force (any building)30,80328,421−7.7%

How many homes have flood insurance?

22.5%of all homes in Brazoria County have an NFIP policy
42.8%of homes in high-risk zones (special flood hazard area) have one
121,737residential buildings counted by FEMA
26,528of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Brazoria County, Texas have filed 21,512 flood claims. 17,437 received a payment, for a total of $632.4 million (an average of $36,270 per paid claim). The year with the most claims was 2017 (5,120 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 3,882 claims, 3,480 paid, $38,056,392 in total19791980: 190 claims, 141 paid, $507,252 in total19801981: 349 claims, 283 paid, $1,311,029 in total1982: 255 claims, 216 paid, $834,757 in total1983: 870 claims, 480 paid, $2,734,705 in total1984: 246 claims, 203 paid, $914,185 in total1985: 88 claims, 65 paid, $237,409 in total1986: 25 claims, 14 paid, $28,839 in total1987: 14 claims1988: 29 claims, 19 paid, $39,293 in total1989: 832 claims, 704 paid, $9,031,824 in total1990: 23 claims, 18 paid, $124,522 in total19901991: 280 claims, 227 paid, $2,102,760 in total1992: 156 claims, 130 paid, $1,421,374 in total1993: 117 claims, 108 paid, $977,580 in total1994: 661 claims, 604 paid, $15,794,145 in total1995: 103 claims, 86 paid, $816,192 in total1996: 31 claims, 21 paid, $201,649 in total1997: 101 claims, 80 paid, $619,815 in total1998: 1,091 claims, 876 paid, $9,372,195 in total2000: 18 claims20002001: 1,200 claims, 1,031 paid, $30,469,175 in total2002: 1,089 claims, 908 paid, $15,651,324 in total2003: 339 claims, 274 paid, $2,869,525 in total2004: 57 claims, 39 paid, $402,330 in total2005: 90 claims, 45 paid, $904,771 in total2006: 352 claims, 314 paid, $8,258,969 in total2007: 68 claims, 51 paid, $621,640 in total2008: 1,866 claims, 1,210 paid, $28,405,690 in total20082009: 258 claims, 240 paid, $5,774,410 in total2010: 72 claims, 55 paid, $877,109 in total20102012: 44 claims, 30 paid, $366,836 in total2013: 17 claims2014: 21 claims, 13 paid, $194,570 in total2015: 154 claims, 119 paid, $2,674,526 in total2016: 584 claims, 478 paid, $28,876,893 in total2017: 5,120 claims, 4,372 paid, $406,635,047 in total20172018: 17 claims2019: 128 claims, 90 paid, $2,705,354 in total2020: 104 claims, 66 paid, $2,017,303 in total20202021: 166 claims, 83 paid, $2,637,183 in total2022: 15 claims2024: 331 claims, 204 paid, $5,809,832 in total2026: 27 claims, 19 paid, $597,681 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262719$597,681$31,457
2024331204$5,809,832$28,480
202215<10––
202116683$2,637,183$31,773
202010466$2,017,303$30,565
201912890$2,705,354$30,059
201817<10––
20175,1204,372$406,635,047$93,009
2016584478$28,876,893$60,412
2015154119$2,674,526$22,475
20142113$194,570$14,967
201317<10––
20124430$366,836$12,228
20107255$877,109$15,947
2009258240$5,774,410$24,060
20081,8661,210$28,405,690$23,476
20076851$621,640$12,189
2006352314$8,258,969$26,302
20059045$904,771$20,106
20045739$402,330$10,316
2003339274$2,869,525$10,473
20021,089908$15,651,324$17,237
20011,2001,031$30,469,175$29,553
200018<10––
19981,091876$9,372,195$10,699
199710180$619,815$7,748
19963121$201,649$9,602
199510386$816,192$9,491
1994661604$15,794,145$26,149
1993117108$977,580$9,052
1992156130$1,421,374$10,934
1991280227$2,102,760$9,263
19902318$124,522$6,918
1989832704$9,031,824$12,829
19882919$39,293$2,068
198714<10––
19862514$28,839$2,060
19858865$237,409$3,652
1984246203$914,185$4,503
1983870480$2,734,705$5,697
1982255216$834,757$3,865
1981349283$1,311,029$4,633
1980190141$507,252$3,598
19793,8823,480$38,056,392$10,936

From 2016 to 2026: 6,492 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Brazoria County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Brazoria County (9,875 home policies) · Pearland (7,690 home policies) · Lake Jackson (2,023 home policies) · Alvin (1,869 home policies) · Angleton (867 home policies) · Manvel (832 home policies)