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Flood insurance cost · ZIP 77035 · TX

Flood insurance cost in ZIP 77035 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,062 home policies in force on August 31, 2026.

ZIP code 77035 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,261a year

Half of insured homes paid between $1,087 and $1,765. That is 16% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (65%).

$0$1,087 · $1,261 · $1,765$2,206
+16.8% vs Aug 31, 2025 (median $1,080)
2,062home policies in force
$1,532average cost (mean)
35%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 77035

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		$1,981$1,389–$2,625$2,051716 (35%)+8.7%
Zone X
Moderate to low risk		$1,259$1,082–$1,264$1,2561,346 (65%)+16.7%

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 77035, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,994$1,263$1,557
2–4 unit building28$869$944
Condo or apartment unit40$728$715
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.		95$2,733$3,194
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		46$3,554$3,808

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,203NFIP policies in force, any building
2,331insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77035

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 force2,2602,062−8.8%
Median annual cost$1,080$1,261+16.8%
Average annual cost$1,352$1,532+13.3%
All policies in force (any building)2,4292,203−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77035 have filed 1,785 flood claims. 1,506 received a payment, for a total of $125.8 million (an average of $83,522 per paid claim). The year with the most claims was 2017 (866 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 47 claims, 33 paid, $116,688 in total19801981: 54 claims, 41 paid, $126,833 in total1983: 55 claims, 42 paid, $205,964 in total1989: 12 claims19901991: 11 claims1994: 33 claims, 28 paid, $472,323 in total1997: 10 claims, 10 paid, $21,865 in total20002001: 85 claims, 70 paid, $1,453,344 in total2008: 43 claims, 11 paid, $43,601 in total20102012: 28 claims, 20 paid, $531,499 in total2013: 95 claims, 83 paid, $2,920,288 in total20132015: 311 claims, 290 paid, $16,863,093 in total20152016: 36 claims, 23 paid, $695,538 in total2017: 866 claims, 792 paid, $101,603,461 in total201720202024: 13 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202413<10––
2017866792$101,603,461$128,287
20163623$695,538$30,241
2015311290$16,863,093$58,149
20139583$2,920,288$35,184
20122820$531,499$26,575
20084311$43,601$3,964
20018570$1,453,344$20,762
19971010$21,865$2,186
19943328$472,323$16,869
199111<10––
198912<10––
19835542$205,964$4,904
19815441$126,833$3,093
19794733$116,688$3,536

From 2016 to 2026: 915 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 (2,061 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.