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Flood insurance cost · ZIP 77038 · TX

Flood insurance cost in ZIP 77038 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 711 home policies in force on August 31, 2026.

ZIP code 77038 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$950a year

Half of insured homes paid between $802 and $1,096. That is 13% less than the Harris County median ($1,088). The most common flood zone for insured homes here is zone X (38%).

$0$802 · $950 · $1,096$1,370
+6.5% vs Aug 31, 2025 (median $892)
711home policies in force
$967average cost (mean)
62%of insured homes in high-risk zones (A, V)
$198,000median 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 77038

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		$1,058$849–$1,283$1,090187 (26%)+9.1%
Zone AO
High risk, shallow		$802$671–$902$815253 (36%)+4.6%
Zone X
Moderate to low risk		$1,031$922–$1,106$1,023271 (38%)+10.6%

Not shown (fewer than 10 home policies): VE, A, 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 77038, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home706$952$967
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		85$1,889$2,286

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).

801NFIP policies in force, any building
801insured units (condo association policies count every unit)
83%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 77038

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 force772711−7.9%
Median annual cost$892$950+6.5%
Average annual cost$900$967+7.4%
All policies in force (any building)871801−8.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77038 have filed 1,369 flood claims. 1,187 received a payment, for a total of $36.2 million (an average of $30,487 per paid claim). The year with the most claims was 2001 (353 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801981: 15 claims, 14 paid, $104,465 in total1983: 22 claims, 19 paid, $139,618 in total1984: 14 claims, 14 paid, $114,415 in total1989: 123 claims, 120 paid, $1,051,543 in total19901992: 126 claims, 113 paid, $1,399,071 in total1997: 45 claims, 34 paid, $342,027 in total1998: 11 claims20002001: 353 claims, 323 paid, $10,389,073 in total20012002: 136 claims, 124 paid, $3,079,081 in total20022003: 51 claims, 46 paid, $1,058,372 in total2006: 13 claims, 10 paid, $142,693 in total2008: 109 claims, 70 paid, $1,765,217 in total20102015: 10 claims2016: 63 claims, 58 paid, $1,998,510 in total2017: 224 claims, 196 paid, $12,912,585 in total20172019: 16 claims, 11 paid, $724,549 in total20202024: 14 claims, 12 paid, $527,831 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
20241412$527,831$43,986
20191611$724,549$65,868
2017224196$12,912,585$65,881
20166358$1,998,510$34,457
201510<10––
200810970$1,765,217$25,217
20061310$142,693$14,269
20035146$1,058,372$23,008
2002136124$3,079,081$24,831
2001353323$10,389,073$32,164
199811<10––
19974534$342,027$10,060
1992126113$1,399,071$12,381
1989123120$1,051,543$8,763
19841414$114,415$8,172
19832219$139,618$7,348
19811514$104,465$7,462

From 2016 to 2026: 317 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 (687 home policies) · Houston (24 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.