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Flood insurance cost · ZIP 77028 · TX

Flood insurance cost in ZIP 77028 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 525 home policies in force on August 31, 2026.

ZIP code 77028 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,138a year

Half of insured homes paid between $1,018 and $1,266. That is 5% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (81%).

$0$1,018 · $1,138 · $1,266$1,582
+10.7% vs Aug 31, 2025 (median $1,028)
525home policies in force
$1,155average cost (mean)
19%of insured homes in high-risk zones (A, V)
$190,000median 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 77028

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		$1,258$1,058–$1,508$1,299101 (19%)+3.8%
Zone X
Moderate to low risk		$1,102$1,010–$1,261$1,121424 (81%)+10.4%

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 77028, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home516$1,138$1,153
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		106$2,886$3,269

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).

632NFIP policies in force, any building
632insured units (condo association policies count every unit)
88%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: ZIP code 77028

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 force594525−11.6%
Median annual cost$1,028$1,138+10.7%
Average annual cost$1,045$1,155+10.5%
All policies in force (any building)705632−10.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77028 have filed 1,157 flood claims. 1,021 received a payment, for a total of $47.8 million (an average of $46,808 per paid claim). The year with the most claims was 2017 (358 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 53 claims, 45 paid, $245,422 in total1980: 14 claims, 10 paid, $28,668 in total19801981: 50 claims, 43 paid, $237,140 in total1982: 41 claims, 38 paid, $223,625 in total1983: 56 claims, 45 paid, $313,538 in total1984: 26 claims, 25 paid, $122,725 in total1987: 20 claims, 19 paid, $63,004 in total1989: 54 claims, 52 paid, $1,001,588 in total19901992: 15 claims, 14 paid, $134,486 in total1993: 26 claims, 26 paid, $272,939 in total1994: 45 claims, 42 paid, $841,263 in total20002001: 133 claims, 125 paid, $7,621,750 in total20012008: 87 claims, 68 paid, $1,460,689 in total200820102015: 25 claims, 23 paid, $533,520 in total2017: 358 claims, 337 paid, $31,993,959 in total20172019: 49 claims, 42 paid, $1,366,407 in total20202024: 23 claims, 13 paid, $632,421 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242313$632,421$48,648
20194942$1,366,407$32,534
2017358337$31,993,959$94,938
20152523$533,520$23,197
20088768$1,460,689$21,481
2001133125$7,621,750$60,974
19944542$841,263$20,030
19932626$272,939$10,498
19921514$134,486$9,606
19895452$1,001,588$19,261
19872019$63,004$3,316
19842625$122,725$4,909
19835645$313,538$6,968
19824138$223,625$5,885
19815043$237,140$5,515
19801410$28,668$2,867
19795345$245,422$5,454

From 2016 to 2026: 430 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 (525 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.