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Flood insurance cost · ZIP 77005 · TX

Flood insurance cost in ZIP 77005 (West University Place, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,579 home policies in force on August 31, 2026.

ZIP code 77005 (West University Place, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,260a year

Half of insured homes paid between $1,086 and $1,363. That is 16% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (75%).

$0$1,086 · $1,260 · $1,363$1,704
+16.7% vs Aug 31, 2025 (median $1,080)
3,579home policies in force
$1,350average cost (mean)
25%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 ZIP code 77005

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		$1,448$1,230–$1,834$1,589891 (25%)+4.9%
Zone X
Moderate to low risk		$1,258$1,084–$1,267$1,2702,688 (75%)+16.6%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 77005, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,537$1,260$1,356
Condo or apartment unit33$715$741
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		68$3,118$3,305

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association).

3,650NFIP policies in force, any building
3,727insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77005

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 force3,8343,579−6.7%
Median annual cost$1,080$1,260+16.7%
Average annual cost$1,206$1,350+11.9%
All policies in force (any building)3,9093,650−6.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77005 have filed 817 flood claims. 605 received a payment, for a total of $20.9 million (an average of $34,484 per paid claim). The year with the most claims was 2001 (257 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 49 claims, 43 paid, $230,393 in total19801981: 10 claims1983: 19 claims, 10 paid, $20,340 in total1989: 13 claims19901994: 14 claims, 11 paid, $122,774 in total1997: 20 claims, 18 paid, $205,655 in total1998: 13 claims, 10 paid, $449,579 in total20002001: 257 claims, 224 paid, $7,608,402 in total20012003: 12 claims, 11 paid, $133,377 in total2008: 78 claims, 36 paid, $520,710 in total200820102015: 19 claims, 11 paid, $147,048 in total2016: 15 claims, 14 paid, $424,744 in total2017: 218 claims, 156 paid, $9,493,344 in total20172020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2017218156$9,493,344$60,855
20161514$424,744$30,339
20151911$147,048$13,368
20087836$520,710$14,464
20031211$133,377$12,125
2001257224$7,608,402$33,966
19981310$449,579$44,958
19972018$205,655$11,425
19941411$122,774$11,161
198913<10––
19831910$20,340$2,034
198110<10––
19794943$230,393$5,358

From 2016 to 2026: 233 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.

NFIP communities in this ZIP code

West University Place (2,643 home policies) · Houston (657 home policies) · Southside Place (276 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.