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Flood insurance cost · Fort Bend County, TX

Flood insurance cost in Fort Bend County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 39,232 home policies in force on August 31, 2026.

Fort Bend County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$966a year

Half of insured homes paid between $745 and $1,164. That is 11% less than the Texas median ($1,084). Most insured homes here are rated in zone X (93%).

$0$745 · $966 · $1,164$1,455
+4.1% vs Aug 31, 2025 (median $928)
39,232home policies in force
$976average cost (mean)
7%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 Fort Bend County.

Cost by flood zone in Fort Bend 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		$1,219$902–$1,595$1,2952,477 (6%)+6.9%
Zone A
High risk		$1,276$953–$1,752$1,453236 (1%)+5.0%
Zone X
Moderate to low risk		$950$739–$1,121$95236,519 (93%)+2.7%

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 Fort Bend County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home39,001$969$978
2–4 unit building30$1,020$1,039
Manufactured (mobile) home49$971$1,073
Condo or apartment unit152$500$504
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.		98$1,623$1,851
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		806$1,884$2,504
40,136NFIP policies in force, any building
40,309insured units (condo association policies count every unit)
98%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Fort Bend 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 force44,28239,232−11.4%
Median annual cost$928$966+4.1%
Average annual cost$913$976+6.9%
All policies in force (any building)45,22340,136−11.2%

How many homes have flood insurance?

15.4%of all homes in Fort Bend County have an NFIP policy
41.9%of homes in high-risk zones (special flood hazard area) have one
255,919residential buildings counted by FEMA
6,535of 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 Fort Bend County, Texas have filed 7,388 flood claims. 5,107 received a payment, for a total of $451.0 million (an average of $88,305 per paid claim). The year with the most claims was 2017 (3,977 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 74 claims, 58 paid, $482,713 in total1980: 11 claims19801981: 45 claims, 35 paid, $53,227 in total1982: 11 claims1983: 136 claims, 84 paid, $436,383 in total1984: 11 claims1985: 38 claims, 22 paid, $121,094 in total1987: 10 claims1989: 57 claims, 35 paid, $338,295 in total19901991: 87 claims, 71 paid, $1,425,031 in total1992: 52 claims, 36 paid, $425,188 in total1993: 11 claims1994: 206 claims, 183 paid, $5,577,854 in total1995: 11 claims1997: 52 claims, 47 paid, $571,474 in total1998: 88 claims, 68 paid, $810,499 in total1999: 21 claims, 17 paid, $169,511 in total2000: 11 claims20002001: 197 claims, 133 paid, $1,529,322 in total2002: 45 claims, 32 paid, $334,381 in total2003: 47 claims, 31 paid, $298,294 in total2004: 22 claims, 14 paid, $98,138 in total2005: 21 claims2006: 36 claims, 25 paid, $389,000 in total2007: 31 claims, 22 paid, $226,696 in total2008: 273 claims, 66 paid, $677,921 in total2009: 57 claims, 43 paid, $586,252 in total2010: 28 claims, 12 paid, $146,831 in total20102012: 139 claims, 108 paid, $1,925,553 in total2013: 30 claims, 22 paid, $439,343 in total2014: 19 claims, 15 paid, $136,273 in total2015: 332 claims, 258 paid, $6,330,671 in total20152016: 631 claims, 508 paid, $45,816,414 in total20162017: 3,977 claims, 2,776 paid, $364,107,628 in total20172018: 21 claims2019: 245 claims, 212 paid, $12,934,821 in total2020: 39 claims, 21 paid, $629,187 in total20202021: 77 claims, 22 paid, $618,807 in total2022: 16 claims2024: 140 claims, 61 paid, $2,882,879 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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202414061$2,882,879$47,260
202216<10––
20217722$618,807$28,128
20203921$629,187$29,961
2019245212$12,934,821$61,013
201821<10––
20173,9772,776$364,107,628$131,163
2016631508$45,816,414$90,190
2015332258$6,330,671$24,537
20141915$136,273$9,085
20133022$439,343$19,970
2012139108$1,925,553$17,829
20102812$146,831$12,236
20095743$586,252$13,634
200827366$677,921$10,272
20073122$226,696$10,304
20063625$389,000$15,560
200521<10––
20042214$98,138$7,010
20034731$298,294$9,622
20024532$334,381$10,449
2001197133$1,529,322$11,499
200011<10––
19992117$169,511$9,971
19988868$810,499$11,919
19975247$571,474$12,159
199511<10––
1994206183$5,577,854$30,480
199311<10––
19925236$425,188$11,811
19918771$1,425,031$20,071
19895735$338,295$9,666
198710<10––
19853822$121,094$5,504
198411<10––
198313684$436,383$5,195
198211<10––
19814535$53,227$1,521
198011<10––
19797458$482,713$8,323

From 2016 to 2026: 5,146 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 Fort Bend County

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

Main NFIP communities in the county

Unincorporated Fort Bend County (17,536 home policies) · Sugar Land (6,292 home policies) · Willow Fork Drainage District (3,021 home policies) · Missouri City (2,579 home policies) · Fulshear (1,117 home policies) · Pecan Grove M.u.d. (999 home policies)