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Flood insurance cost · Liberty County, TX

Flood insurance cost in Liberty County, Texas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,747 home policies in force on August 31, 2026.

Liberty County, TexasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$813a year

Half of insured homes paid between $622 and $1,086. That is 25% less than the Texas median ($1,084). Most insured homes here are rated in zone X (68%).

$0$622 · $813 · $1,086$1,358
+4.6% vs Aug 31, 2025 (median $777)
1,747home policies in force
$912average 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 Liberty 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		$940$644–$1,286$1,052418 (24%)+3.5%
Zone A
High risk		$1,055$811–$1,352$1,17597 (6%)+16.1%
Zone AO
High risk, shallow		$1,226$861–$1,574$1,26738 (2%)+13.7%
Zone X
Moderate to low risk		$756$603–$1,022$8301,194 (68%)+2.4%

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

Type of buildingPoliciesMedianAverage
Single-family home1,563$799$889
2–4 unit building21$1,259$1,252
Manufactured (mobile) home159$936$1,101
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.		24$1,561$1,866
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		134$1,694$2,257

Not shown (fewer than 10 policies): condo or apartment unit.

1,905NFIP policies in force, any building
1,905insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Liberty 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 force1,9201,747−9.0%
Median annual cost$777$813+4.6%
Average annual cost$862$912+5.8%
All policies in force (any building)2,0821,905−8.5%

How many homes have flood insurance?

5.9%of all homes in Liberty County have an NFIP policy
19.2%of homes in high-risk zones (special flood hazard area) have one
32,538residential buildings counted by FEMA
3,601of 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 Liberty County, Texas have filed 3,305 flood claims. 2,839 received a payment, for a total of $108.6 million (an average of $38,242 per paid claim). The year with the most claims was 2017 (589 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 59 claims, 53 paid, $404,538 in total1980: 11 claims19801981: 35 claims, 24 paid, $112,791 in total1983: 29 claims, 21 paid, $266,458 in total1986: 12 claims1989: 102 claims, 91 paid, $1,179,331 in total1990: 225 claims, 215 paid, $2,758,229 in total19901991: 115 claims, 89 paid, $544,119 in total1992: 187 claims, 155 paid, $1,252,641 in total1993: 26 claims, 21 paid, $156,292 in total1994: 384 claims, 348 paid, $8,687,214 in total19941995: 14 claims1996: 30 claims, 27 paid, $129,284 in total1997: 21 claims, 17 paid, $152,235 in total1998: 160 claims, 134 paid, $1,618,903 in total2000: 187 claims, 167 paid, $4,574,359 in total20002001: 64 claims, 38 paid, $387,617 in total2002: 76 claims, 57 paid, $543,041 in total2003: 12 claims, 11 paid, $63,372 in total2004: 10 claims2005: 22 claims, 13 paid, $134,057 in total2006: 51 claims, 44 paid, $767,281 in total2008: 41 claims, 17 paid, $395,501 in total20102015: 110 claims, 93 paid, $3,523,192 in total2016: 65 claims, 52 paid, $1,059,320 in total2017: 589 claims, 520 paid, $38,868,492 in total20172018: 12 claims, 10 paid, $121,739 in total2019: 440 claims, 420 paid, $29,259,501 in total201920202024: 145 claims, 125 paid, $10,507,764 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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024145125$10,507,764$84,062
2019440420$29,259,501$69,665
20181210$121,739$12,174
2017589520$38,868,492$74,747
20166552$1,059,320$20,372
201511093$3,523,192$37,884
20084117$395,501$23,265
20065144$767,281$17,438
20052213$134,057$10,312
200410<10––
20031211$63,372$5,761
20027657$543,041$9,527
20016438$387,617$10,200
2000187167$4,574,359$27,391
1998160134$1,618,903$12,081
19972117$152,235$8,955
19963027$129,284$4,788
199514<10––
1994384348$8,687,214$24,963
19932621$156,292$7,442
1992187155$1,252,641$8,082
199111589$544,119$6,114
1990225215$2,758,229$12,829
198910291$1,179,331$12,960
198612<10––
19832921$266,458$12,688
19813524$112,791$4,700
198011<10––
19795953$404,538$7,633

From 2016 to 2026: 1,251 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 Liberty County

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

Main NFIP communities in the county

Unincorporated Liberty County (1,123 home policies) · Liberty (249 home policies) · Dayton (202 home policies) · Cleveland (79 home policies) · Plum Grove (25 home policies) · Ames (14 home policies)