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Flood insurance cost · ZIP 77026 · TX

Flood insurance cost in ZIP 77026 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,006 home policies in force on August 31, 2026.

ZIP code 77026 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$832a year

Half of insured homes paid between $706 and $1,009. That is 24% less than the Harris County median ($1,088). Most insured homes here are rated in zone AE (85%).

$0$706 · $832 · $1,009$1,261
+4.0% vs Aug 31, 2025 (median $800)
1,006home policies in force
$887average cost (mean)
89%of insured homes in high-risk zones (A, V)
$156,000median 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 77026

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		$811$690–$981$866858 (85%)+2.9%
Zone A
High risk		$1,039$853–$1,253$1,04337 (4%)+13.7%
Zone X
Moderate to low risk		$971$825–$1,129$996109 (11%)+4.9%

Not shown (fewer than 10 home policies): VE, 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 77026, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home884$826$880
2–4 unit building117$892$952
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.		16$2,550$3,082
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		115$2,298$2,920

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

1,137NFIP policies in force, any building
1,137insured units (condo association policies count every unit)
48%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 77026

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 force1,0461,006−3.8%
Median annual cost$800$832+4.0%
Average annual cost$853$887+4.0%
All policies in force (any building)1,1841,137−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77026 have filed 1,079 flood claims. 839 received a payment, for a total of $33.1 million (an average of $39,467 per paid claim). The year with the most claims was 2017 (430 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 16 claims, 12 paid, $81,753 in total19801983: 17 claims, 12 paid, $117,180 in total1984: 12 claims, 10 paid, $67,615 in total1989: 19 claims, 17 paid, $217,625 in total19901994: 19 claims, 16 paid, $364,398 in total20002001: 230 claims, 212 paid, $6,870,175 in total20012006: 10 claims, 10 paid, $194,543 in total2007: 21 claims, 17 paid, $392,957 in total2008: 146 claims, 101 paid, $1,910,546 in total200820102015: 28 claims, 20 paid, $490,225 in total2017: 430 claims, 341 paid, $20,741,697 in total20172019: 38 claims, 30 paid, $912,033 in total20202024: 22 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202422<10––
20193830$912,033$30,401
2017430341$20,741,697$60,826
20152820$490,225$24,511
2008146101$1,910,546$18,916
20072117$392,957$23,115
20061010$194,543$19,454
2001230212$6,870,175$32,406
19941916$364,398$22,775
19891917$217,625$12,801
19841210$67,615$6,762
19831712$117,180$9,765
19791612$81,753$6,813

From 2016 to 2026: 490 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 (1,006 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.