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Flood insurance cost · Brazos County, TX

Flood insurance cost in Brazos County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,246 home policies in force on August 31, 2026.

Brazos County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$708a year

Half of insured homes paid between $533 and $986. That is 35% less than the Texas median ($1,084). Most insured homes here are rated in zone X (68%).

$0$533 · $708 · $986$1,232
+2.0% vs Aug 31, 2025 (median $694)
1,246home policies in force
$803average cost (mean)
32%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.

Cost by flood zone in Brazos 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 AE
High risk		$966$732–$1,287$1,045329 (26%)+5.1%
Zone A
High risk		$776$614–$992$82975 (6%)+2.1%
Zone X
Moderate to low risk		$642$489–$828$706842 (68%)+0.9%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Brazos County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,153$707$803
2–4 unit building28$968$1,042
Manufactured (mobile) home21$796$909
Condo or apartment unit44$600$595
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.		16$1,899$2,015
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		80$1,322$1,506
1,342NFIP policies in force, any building
1,349insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Brazos 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 force1,3051,246−4.5%
Median annual cost$694$708+2.0%
Average annual cost$763$803+5.2%
All policies in force (any building)1,4051,342−4.5%

How many homes have flood insurance?

2.0%of all homes in Brazos County have an NFIP policy
41.6%of homes in high-risk zones (special flood hazard area) have one
62,388residential buildings counted by FEMA
1,007of 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 Brazos County, Texas have filed 570 flood claims. 405 received a payment, for a total of $7,613,712 (an average of $18,799 per paid claim). The year with the most claims was 2016 (74 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801981: 24 claims, 23 paid, $112,647 in total1983: 24 claims, 18 paid, $67,776 in total1984: 14 claims, 12 paid, $31,602 in total1985: 12 claims, 12 paid, $53,490 in total1986: 10 claims1990: 15 claims, 10 paid, $50,332 in total19901994: 32 claims, 20 paid, $124,522 in total19941998: 11 claims2000: 11 claims20002001: 20 claims, 18 paid, $340,354 in total2004: 16 claims2007: 14 claims, 11 paid, $251,105 in total20102012: 23 claims, 19 paid, $568,878 in total2013: 32 claims, 28 paid, $765,930 in total2014: 18 claims, 13 paid, $261,020 in total2015: 27 claims, 19 paid, $288,616 in total2016: 74 claims, 69 paid, $3,017,397 in total20162017: 56 claims20172018: 21 claims, 14 paid, $326,836 in total2019: 10 claims20202024: 15 claims, 15 paid, $360,649 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241515$360,649$24,043
201910<10––
20182114$326,836$23,345
201756<10––
20167469$3,017,397$43,730
20152719$288,616$15,190
20141813$261,020$20,078
20133228$765,930$27,355
20122319$568,878$29,941
20071411$251,105$22,828
200416<10––
20012018$340,354$18,909
200011<10––
199811<10––
19943220$124,522$6,226
19901510$50,332$5,033
198610<10––
19851212$53,490$4,458
19841412$31,602$2,634
19832418$67,776$3,765
19812423$112,647$4,898

From 2016 to 2026: 176 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 Brazos County

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

Main NFIP communities in the county

Bryan (529 home policies) · College Station (447 home policies) · Unincorporated Brazos County (263 home policies)