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Flood insurance cost · ZIP 77015 · TX

Flood insurance cost in ZIP 77015 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,013 home policies in force on August 31, 2026.

ZIP code 77015 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,233a year

Half of insured homes paid between $1,083 and $1,270. That is 13% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (75%).

$0$1,083 · $1,233 · $1,270$1,588
+14.8% vs Aug 31, 2025 (median $1,074)
1,013home policies in force
$1,254average 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 77015

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		$1,423$1,140–$1,838$1,557255 (25%)+7.8%
Zone X
Moderate to low risk		$1,198$1,080–$1,267$1,151758 (75%)+13.4%

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 77015, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,000$1,234$1,260
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.		47$1,497$2,317
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		142$4,081$5,250

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

1,202NFIP policies in force, any building
1,202insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77015

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 force1,1601,013−12.7%
Median annual cost$1,074$1,233+14.8%
Average annual cost$1,114$1,254+12.6%
All policies in force (any building)1,3521,202−11.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77015 have filed 2,074 flood claims. 1,748 received a payment, for a total of $91.5 million (an average of $52,370 per paid claim). The year with the most claims was 2017 (464 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 96 claims, 87 paid, $1,017,986 in total19801981: 161 claims, 148 paid, $1,345,182 in total1983: 110 claims, 87 paid, $2,347,677 in total1989: 175 claims, 161 paid, $4,377,008 in total198919901992: 53 claims, 50 paid, $1,507,865 in total1994: 66 claims, 58 paid, $1,842,314 in total1998: 64 claims, 56 paid, $978,492 in total20002001: 338 claims, 313 paid, $18,200,719 in total20012005: 45 claims, 41 paid, $698,017 in total2006: 128 claims, 116 paid, $3,136,199 in total2007: 18 claims, 18 paid, $206,615 in total2008: 150 claims, 90 paid, $5,910,350 in total20102012: 10 claims2015: 43 claims, 40 paid, $1,332,433 in total2017: 464 claims, 370 paid, $45,244,180 in total20172019: 33 claims, 30 paid, $2,041,961 in total20202021: 13 claims
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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202113<10––
20193330$2,041,961$68,065
2017464370$45,244,180$122,282
20154340$1,332,433$33,311
201210<10––
200815090$5,910,350$65,671
20071818$206,615$11,479
2006128116$3,136,199$27,036
20054541$698,017$17,025
2001338313$18,200,719$58,149
19986456$978,492$17,473
19946658$1,842,314$31,764
19925350$1,507,865$30,157
1989175161$4,377,008$27,186
198311087$2,347,677$26,985
1981161148$1,345,182$9,089
19799687$1,017,986$11,701

From 2016 to 2026: 510 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

Unincorporated Harris County (727 home policies) · Houston (252 home policies) · Galena Park (34 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.