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Flood insurance cost · Chambers County, TX

Flood insurance cost in Chambers County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,409 home policies in force on August 31, 2026.

Chambers County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,027a year

Half of insured homes paid between $801 and $1,244. That is 5% less than the Texas median ($1,084). Most insured homes here are rated in zone X (90%).

$0$801 · $1,027 · $1,244$1,555
+10.4% vs Aug 31, 2025 (median $930)
3,409home policies in force
$1,067average cost (mean)
10%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 Chambers 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		$2,388$1,523–$3,201$2,68638 (1%)+13.6%
Zone AE
High risk		$1,471$1,169–$2,018$1,769223 (7%)+13.7%
Zone A
High risk		$1,048$863–$1,374$1,20470 (2%)+3.8%
Zone X
Moderate to low risk		$985$787–$1,215$9933,078 (90%)+6.0%

Not shown (fewer than 10 home policies): 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 Chambers County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,346$1,029$1,064
Manufactured (mobile) home57$1,025$1,287
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.		13$1,662$2,096
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		164$2,846$3,241

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

3,586NFIP policies in force, any building
3,586insured units (condo association policies count every unit)
97%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Chambers 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 force3,7933,409−10.1%
Median annual cost$930$1,027+10.4%
Average annual cost$978$1,067+9.1%
All policies in force (any building)3,9953,586−10.2%

How many homes have flood insurance?

22.7%of all homes in Chambers County have an NFIP policy
42.9%of homes in high-risk zones (special flood hazard area) have one
15,241residential buildings counted by FEMA
770of 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 Chambers County, Texas have filed 2,099 flood claims. 1,755 received a payment, for a total of $129.5 million (an average of $73,788 per paid claim). The year with the most claims was 2017 (727 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 30 claims, 26 paid, $216,934 in total19801981: 57 claims, 51 paid, $389,152 in total1983: 115 claims, 88 paid, $1,004,203 in total1989: 44 claims, 28 paid, $107,241 in total19901994: 29 claims, 25 paid, $674,360 in total1996: 24 claims, 23 paid, $163,264 in total1998: 42 claims, 39 paid, $211,333 in total20002001: 21 claims, 13 paid, $212,520 in total2003: 11 claims, 10 paid, $73,289 in total2004: 19 claims, 16 paid, $324,210 in total2005: 19 claims2006: 38 claims, 31 paid, $706,891 in total2008: 418 claims, 322 paid, $20,974,666 in total20082009: 37 claims, 31 paid, $675,431 in total20102016: 11 claims2017: 727 claims, 638 paid, $70,961,874 in total20172019: 347 claims, 332 paid, $31,473,252 in total201920202024: 31 claims, 22 paid, $579,801 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243122$579,801$26,355
2019347332$31,473,252$94,799
2017727638$70,961,874$111,226
201611<10––
20093731$675,431$21,788
2008418322$20,974,666$65,139
20063831$706,891$22,803
200519<10––
20041916$324,210$20,263
20031110$73,289$7,329
20012113$212,520$16,348
19984239$211,333$5,419
19962423$163,264$7,098
19942925$674,360$26,974
19894428$107,241$3,830
198311588$1,004,203$11,411
19815751$389,152$7,630
19793026$216,934$8,344

From 2016 to 2026: 1,116 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 Chambers County

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

Main NFIP communities in the county

Unincorporated Chambers County (2,184 home policies) · Mont Belvieu (491 home policies) · Baytown (371 home policies) · Beach City (256 home policies) · Anahuac (73 home policies) · Cove (17 home policies)