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Flood insurance cost · ZIP 77013 · TX

Flood insurance cost in ZIP 77013 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 659 home policies in force on August 31, 2026.

ZIP code 77013 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,043 and $1,375. That is 13% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (53%).

$0$1,043 · $1,234 · $1,375$1,719
+14.7% vs Aug 31, 2025 (median $1,076)
659home policies in force
$1,244average cost (mean)
47%of insured homes in high-risk zones (A, V)
$201,000median 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 77013

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		$1,350$1,014–$1,604$1,351313 (47%)+13.9%
Zone X
Moderate to low risk		$1,167$1,064–$1,261$1,148346 (53%)+12.2%

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 77013, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home598$1,257$1,268
2–4 unit building10$1,888$1,875
Condo or apartment unit51$898$843
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.		23$2,881$3,602
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		40$3,476$3,633

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

722NFIP policies in force, any building
722insured units (condo association policies count every unit)
90%of home policies also cover contents
$71,000median contents coverage, when bought

One year on: ZIP code 77013

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 force744659−11.4%
Median annual cost$1,076$1,234+14.7%
Average annual cost$1,113$1,244+11.8%
All policies in force (any building)808722−10.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77013 have filed 1,277 flood claims. 1,133 received a payment, for a total of $73.6 million (an average of $64,918 per paid claim). The year with the most claims was 2017 (438 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 41 claims, 37 paid, $431,573 in total19801981: 16 claims, 13 paid, $59,030 in total1983: 21 claims, 18 paid, $213,672 in total1989: 72 claims, 67 paid, $1,876,573 in total19901992: 21 claims, 19 paid, $490,097 in total1994: 60 claims, 57 paid, $1,207,340 in total1998: 18 claims, 16 paid, $229,926 in total20002001: 329 claims, 285 paid, $17,582,638 in total20012006: 49 claims, 46 paid, $1,091,541 in total2008: 73 claims, 54 paid, $1,708,702 in total200820102015: 61 claims, 55 paid, $2,357,646 in total2017: 438 claims, 410 paid, $44,999,695 in total20172019: 13 claims, 11 paid, $435,843 in total2020
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
20191311$435,843$39,622
2017438410$44,999,695$109,755
20156155$2,357,646$42,866
20087354$1,708,702$31,643
20064946$1,091,541$23,729
2001329285$17,582,638$61,693
19981816$229,926$14,370
19946057$1,207,340$21,181
19922119$490,097$25,795
19897267$1,876,573$28,009
19832118$213,672$11,871
19811613$59,030$4,541
19794137$431,573$11,664

From 2016 to 2026: 451 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 (659 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.