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Flood insurance cost · ZIP 77037 · TX

Flood insurance cost in ZIP 77037 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 955 home policies in force on August 31, 2026.

ZIP code 77037 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,239a year

Half of insured homes paid between $1,059 and $1,456. That is 14% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (82%).

$0$1,059 · $1,239 · $1,456$1,820
+8.3% vs Aug 31, 2025 (median $1,144)
955home policies in force
$1,265average cost (mean)
82%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 77037

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		$1,247$1,063–$1,479$1,283781 (82%)+5.7%
Zone X
Moderate to low risk		$1,191$1,046–$1,270$1,187173 (18%)+14.1%

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 77037, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home951$1,239$1,265
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		74$2,854$3,273

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).

1,030NFIP policies in force, any building
1,030insured units (condo association policies count every unit)
79%of home policies also cover contents
$39,000median contents coverage, when bought

One year on: ZIP code 77037

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 force1,034955−7.6%
Median annual cost$1,144$1,239+8.3%
Average annual cost$1,192$1,265+6.1%
All policies in force (any building)1,1351,030−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77037 have filed 4,198 flood claims. 3,872 received a payment, for a total of $149.8 million (an average of $38,690 per paid claim). The year with the most claims was 2017 (964 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 27 claims, 25 paid, $194,639 in total19801983: 61 claims, 50 paid, $303,486 in total1984: 43 claims, 39 paid, $374,927 in total1989: 193 claims, 169 paid, $2,276,453 in total19901992: 152 claims, 150 paid, $2,418,760 in total1997: 97 claims, 90 paid, $1,500,275 in total1998: 45 claims, 38 paid, $518,148 in total20002001: 714 claims, 686 paid, $24,156,320 in total20012002: 139 claims, 127 paid, $2,345,085 in total2003: 104 claims, 98 paid, $2,272,360 in total2006: 51 claims, 47 paid, $1,010,734 in total2007: 25 claims, 24 paid, $350,813 in total2008: 625 claims, 583 paid, $19,167,297 in total20082009: 25 claims, 23 paid, $501,777 in total2010: 58 claims, 44 paid, $719,290 in total20102015: 123 claims, 108 paid, $3,304,381 in total2016: 170 claims, 141 paid, $3,929,902 in total2017: 964 claims, 924 paid, $64,589,642 in total20172019: 389 claims, 366 paid, $14,644,654 in total20202022: 22 claims, 17 paid, $705,565 in total2024: 110 claims, 92 paid, $3,952,846 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202411092$3,952,846$42,966
20222217$705,565$41,504
2019389366$14,644,654$40,013
2017964924$64,589,642$69,902
2016170141$3,929,902$27,872
2015123108$3,304,381$30,596
20105844$719,290$16,348
20092523$501,777$21,816
2008625583$19,167,297$32,877
20072524$350,813$14,617
20065147$1,010,734$21,505
200310498$2,272,360$23,187
2002139127$2,345,085$18,465
2001714686$24,156,320$35,213
19984538$518,148$13,635
19979790$1,500,275$16,670
1992152150$2,418,760$16,125
1989193169$2,276,453$13,470
19844339$374,927$9,614
19836150$303,486$6,070
19792725$194,639$7,786

From 2016 to 2026: 1,655 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

Unincorporated Harris County (478 home policies) · Houston (477 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.