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Flood insurance cost · ZIP 77009 · TX

Flood insurance cost in ZIP 77009 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,355 home policies in force on August 31, 2026.

ZIP code 77009 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,246a year

Half of insured homes paid between $1,081 and $1,313. That is 15% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (89%).

$0$1,081 · $1,246 · $1,313$1,641
+15.4% vs Aug 31, 2025 (median $1,080)
1,355home policies in force
$1,241average cost (mean)
11%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 77009

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		$1,076$812–$1,418$1,157151 (11%)+14.7%
Zone X
Moderate to low risk		$1,256$1,083–$1,310$1,2521,204 (89%)+16.3%

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 77009, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,290$1,257$1,270
2–4 unit building12$1,359$1,304
Condo or apartment unit53$456$527
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.		35$3,548$3,812
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		59$3,289$3,893

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,449NFIP policies in force, any building
1,734insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77009

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 force1,5151,355−10.6%
Median annual cost$1,080$1,246+15.4%
Average annual cost$1,106$1,241+12.2%
All policies in force (any building)1,6081,449−9.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77009 have filed 683 flood claims. 532 received a payment, for a total of $31.0 million (an average of $58,227 per paid claim). The year with the most claims was 2017 (250 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 13 claims, 13 paid, $69,436 in total19801981: 10 claims1983: 11 claims1989: 14 claims, 14 paid, $188,585 in total19901992: 15 claims, 15 paid, $477,206 in total1998: 11 claims, 10 paid, $414,299 in total20002001: 97 claims, 77 paid, $4,067,270 in total20012008: 60 claims, 35 paid, $1,085,494 in total20102015: 68 claims, 59 paid, $2,417,606 in total20152016: 13 claims, 10 paid, $771,297 in total2017: 250 claims, 204 paid, $17,130,545 in total20172019: 48 claims, 42 paid, $2,361,654 in total20202024: 32 claims, 17 paid, $1,636,708 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243217$1,636,708$96,277
20194842$2,361,654$56,230
2017250204$17,130,545$83,973
20161310$771,297$77,130
20156859$2,417,606$40,976
20086035$1,085,494$31,014
20019777$4,067,270$52,822
19981110$414,299$41,430
19921515$477,206$31,814
19891414$188,585$13,470
198311<10––
198110<10––
19791313$69,436$5,341

From 2016 to 2026: 343 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

Houston (1,354 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.