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Flood insurance cost · ZIP 77016 · TX

Flood insurance cost in ZIP 77016 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 733 home policies in force on August 31, 2026.

ZIP code 77016 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$952a year

Half of insured homes paid between $729 and $1,154. That is 12% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (91%).

$0$729 · $952 · $1,154$1,442
+9.4% vs Aug 31, 2025 (median $870)
733home policies in force
$994average cost (mean)
9%of insured homes in high-risk zones (A, V)
$200,000median 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 77016

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		$1,312$763–$1,935$1,42468 (9%)+18.1%
Zone X
Moderate to low risk		$944$729–$1,119$950665 (91%)+8.6%

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 77016, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home729$952$995
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		30$3,301$2,973

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

763NFIP policies in force, any building
763insured units (condo association policies count every unit)
90%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: ZIP code 77016

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 force856733−14.4%
Median annual cost$870$952+9.4%
Average annual cost$909$994+9.4%
All policies in force (any building)888763−14.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77016 have filed 1,370 flood claims. 1,140 received a payment, for a total of $32.9 million (an average of $28,834 per paid claim). The year with the most claims was 2001 (297 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801983: 11 claims1984: 23 claims, 20 paid, $220,260 in total1989: 36 claims, 33 paid, $333,889 in total19901992: 14 claims, 11 paid, $128,641 in total1994: 11 claims1997: 29 claims, 27 paid, $148,764 in total1998: 19 claims, 17 paid, $95,284 in total20002001: 297 claims, 267 paid, $7,057,389 in total20012006: 29 claims, 28 paid, $588,266 in total2007: 28 claims, 24 paid, $418,672 in total2008: 184 claims, 112 paid, $1,689,035 in total20082009: 10 claims, 10 paid, $62,379 in total2010: 10 claims20102015: 74 claims, 71 paid, $1,754,262 in total2017: 295 claims, 255 paid, $12,711,967 in total20172019: 144 claims, 134 paid, $4,523,872 in total20202021: 12 claims2024: 61 claims, 52 paid, $2,451,573 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246152$2,451,573$47,146
202112<10––
2019144134$4,523,872$33,760
2017295255$12,711,967$49,851
20157471$1,754,262$24,708
201010<10––
20091010$62,379$6,238
2008184112$1,689,035$15,081
20072824$418,672$17,445
20062928$588,266$21,010
2001297267$7,057,389$26,432
19981917$95,284$5,605
19972927$148,764$5,510
199411<10––
19921411$128,641$11,695
19893633$333,889$10,118
19842320$220,260$11,013
198311<10––

From 2016 to 2026: 512 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 (721 home policies) · Unincorporated Harris County (12 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.