Menu

Flood insurance cost · ZIP 77033 · TX

Flood insurance cost in ZIP 77033 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 704 home policies in force on August 31, 2026.

ZIP code 77033 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,016a year

Half of insured homes paid between $848 and $1,182. That is 7% less than the Harris County median ($1,088). The most common flood zone for insured homes here is zone X (46%).

$0$848 · $1,016 · $1,182$1,478
+9.7% vs Aug 31, 2025 (median $926)
704home policies in force
$1,017average cost (mean)
54%of insured homes in high-risk zones (A, V)
$168,000median 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 77033

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		$958$828–$1,132$993271 (38%)+5.3%
Zone A
High risk		$1,040$871–$1,208$1,041106 (15%)+5.7%
Zone X
Moderate to low risk		$1,066$864–$1,213$1,030327 (46%)+15.1%

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 77033, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home679$1,015$1,015
2–4 unit building23$1,068$1,129
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		28$2,422$2,832

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

738NFIP policies in force, any building
738insured units (condo association policies count every unit)
78%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 77033

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 force771704−8.7%
Median annual cost$926$1,016+9.7%
Average annual cost$947$1,017+7.4%
All policies in force (any building)806738−8.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77033 have filed 966 flood claims. 715 received a payment, for a total of $13.1 million (an average of $18,358 per paid claim). The year with the most claims was 2008 (169 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 20 claims, 16 paid, $109,943 in total19801981: 34 claims, 32 paid, $186,137 in total1983: 41 claims, 31 paid, $219,924 in total1985: 15 claims, 10 paid, $63,497 in total1989: 24 claims, 22 paid, $280,237 in total19901994: 56 claims, 48 paid, $1,207,402 in total1997: 25 claims, 22 paid, $239,932 in total20002001: 92 claims, 75 paid, $1,132,428 in total2006: 119 claims, 115 paid, $2,798,227 in total20062007: 14 claims, 11 paid, $228,891 in total2008: 169 claims, 98 paid, $1,114,745 in total200820102012: 13 claims2015: 53 claims, 39 paid, $737,191 in total2016: 12 claims2017: 147 claims, 104 paid, $3,423,280 in total20172019: 16 claims, 11 paid, $272,672 in total20202024: 33 claims, 21 paid, $573,849 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
20243321$573,849$27,326
20191611$272,672$24,788
2017147104$3,423,280$32,916
201612<10––
20155339$737,191$18,902
201213<10––
200816998$1,114,745$11,375
20071411$228,891$20,808
2006119115$2,798,227$24,332
20019275$1,132,428$15,099
19972522$239,932$10,906
19945648$1,207,402$25,154
19892422$280,237$12,738
19851510$63,497$6,350
19834131$219,924$7,094
19813432$186,137$5,817
19792016$109,943$6,871

From 2016 to 2026: 208 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 (704 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.