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Flood insurance cost · ZIP 77034 · TX

Flood insurance cost in ZIP 77034 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,385 home policies in force on August 31, 2026.

ZIP code 77034 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,082a year

Half of insured homes paid between $911 and $1,245. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone X (70%).

$0$911 · $1,082 · $1,245$1,556
+11.7% vs Aug 31, 2025 (median $969)
1,385home policies in force
$1,067average cost (mean)
30%of insured homes in high-risk zones (A, V)
$219,000median 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 77034

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		$1,080$933–$1,247$1,104289 (21%)+5.1%
Zone A
High risk		$1,116$984–$1,246$1,138125 (9%)+4.1%
Zone X
Moderate to low risk		$1,082$870–$1,240$1,047963 (70%)+16.0%

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 77034, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,379$1,082$1,069
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.		67$1,643$1,563
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		104$2,084$2,433

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

1,556NFIP policies in force, any building
1,556insured units (condo association policies count every unit)
91%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: ZIP code 77034

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 force1,5511,385−10.7%
Median annual cost$969$1,082+11.7%
Average annual cost$969$1,067+10.1%
All policies in force (any building)1,7631,556−11.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77034 have filed 3,525 flood claims. 3,016 received a payment, for a total of $117.9 million (an average of $39,086 per paid claim). The year with the most claims was 2017 (1,146 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 268 claims, 244 paid, $2,000,466 in total19801981: 200 claims, 175 paid, $759,921 in total1983: 237 claims, 190 paid, $1,480,033 in total1989: 241 claims, 206 paid, $2,628,381 in total19901994: 20 claims, 13 paid, $82,939 in total1997: 14 claims, 10 paid, $111,564 in total20002001: 664 claims, 580 paid, $16,844,566 in total20012006: 277 claims, 266 paid, $7,149,483 in total20062007: 76 claims, 69 paid, $1,493,220 in total2008: 163 claims, 98 paid, $1,865,876 in total2009: 93 claims, 81 paid, $1,250,221 in total20102015: 38 claims, 30 paid, $793,050 in total2017: 1,146 claims, 1,021 paid, $81,269,953 in total201720202024: 10 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410<10––
20171,1461,021$81,269,953$79,598
20153830$793,050$26,435
20099381$1,250,221$15,435
200816398$1,865,876$19,040
20077669$1,493,220$21,641
2006277266$7,149,483$26,878
2001664580$16,844,566$29,042
19971410$111,564$11,156
19942013$82,939$6,380
1989241206$2,628,381$12,759
1983237190$1,480,033$7,790
1981200175$759,921$4,342
1979268244$2,000,466$8,199

From 2016 to 2026: 1,156 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 (1,382 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.