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Flood insurance cost · ZIP 77024 · TX

Flood insurance cost in ZIP 77024 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,381 home policies in force on August 31, 2026.

ZIP code 77024 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,088a year

Half of insured homes paid between $987 and $1,260. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone X (91%).

$0$987 · $1,088 · $1,260$1,575
+3.6% vs Aug 31, 2025 (median $1,050)
4,381home policies in force
$1,123average cost (mean)
9%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 77024

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		$1,274$1,021–$1,707$1,427408 (9%)+5.6%
Zone X
Moderate to low risk		$1,086$984–$1,259$1,0923,973 (91%)+4.3%

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 77024, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,004$1,130$1,169
Condo or apartment unit372$610$633
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.		53$1,527$1,615
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		148$2,032$2,732

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

4,582NFIP policies in force, any building
4,671insured units (condo association policies count every unit)
97%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77024

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 force4,7334,381−7.4%
Median annual cost$1,050$1,088+3.6%
Average annual cost$1,033$1,123+8.7%
All policies in force (any building)4,9324,582−7.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77024 have filed 3,146 flood claims. 2,551 received a payment, for a total of $201.8 million (an average of $79,110 per paid claim). The year with the most claims was 2017 (889 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 26 claims, 15 paid, $213,481 in total1980: 37 claims, 18 paid, $29,076 in total19801981: 46 claims, 30 paid, $61,249 in total1983: 89 claims, 56 paid, $481,425 in total1989: 53 claims, 25 paid, $66,288 in total19901991: 17 claims1992: 179 claims, 152 paid, $3,120,462 in total1994: 25 claims, 15 paid, $174,813 in total1997: 89 claims, 74 paid, $1,524,131 in total1998: 78 claims, 55 paid, $1,403,741 in total1999: 40 claims, 31 paid, $403,186 in total20002001: 70 claims, 55 paid, $1,330,706 in total2002: 75 claims, 64 paid, $1,617,571 in total2003: 57 claims, 53 paid, $944,925 in total2007: 23 claims, 15 paid, $192,818 in total2008: 226 claims, 146 paid, $4,282,574 in total2009: 433 claims, 401 paid, $22,759,609 in total200920102012: 12 claims2013: 10 claims2014: 12 claims, 11 paid, $219,725 in total2015: 358 claims, 329 paid, $19,582,593 in total20152016: 150 claims, 120 paid, $4,618,859 in total2017: 889 claims, 802 paid, $136,521,111 in total20172019: 36 claims, 25 paid, $1,184,644 in total20202024: 15 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202415<10––
20193625$1,184,644$47,386
2017889802$136,521,111$170,226
2016150120$4,618,859$38,490
2015358329$19,582,593$59,522
20141211$219,725$19,975
201310<10––
201212<10––
2009433401$22,759,609$56,757
2008226146$4,282,574$29,333
20072315$192,818$12,855
20035753$944,925$17,829
20027564$1,617,571$25,275
20017055$1,330,706$24,195
19994031$403,186$13,006
19987855$1,403,741$25,523
19978974$1,524,131$20,596
19942515$174,813$11,654
1992179152$3,120,462$20,529
199117<10––
19895325$66,288$2,652
19838956$481,425$8,597
19814630$61,249$2,042
19803718$29,076$1,615
19792615$213,481$14,232

From 2016 to 2026: 1,090 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 (2,558 home policies) · Hunter's Creek Village (587 home policies) · Bunker Hill Village (540 home policies) · Piney Point Village (433 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.