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Flood insurance cost · ZIP 77039 · TX

Flood insurance cost in ZIP 77039 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 884 home policies in force on August 31, 2026.

ZIP code 77039 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,196a year

Half of insured homes paid between $957 and $1,439. That is 10% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (61%).

$0$957 · $1,196 · $1,439$1,799
+14.6% vs Aug 31, 2025 (median $1,044)
884home policies in force
$1,244average cost (mean)
39%of insured homes in high-risk zones (A, V)
$219,500median 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 77039

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		$1,425$1,135–$1,752$1,462344 (39%)+5.6%
Zone X
Moderate to low risk		$1,084$878–$1,263$1,106540 (61%)+16.3%

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 77039, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home875$1,194$1,242
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		137$3,503$3,723

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).

1,028NFIP policies in force, any building
1,028insured units (condo association policies count every unit)
86%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: ZIP code 77039

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 force1,009884−12.4%
Median annual cost$1,044$1,196+14.6%
Average annual cost$1,131$1,244+10.0%
All policies in force (any building)1,1621,028−11.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77039 have filed 2,643 flood claims. 2,400 received a payment, for a total of $109.5 million (an average of $45,612 per paid claim). The year with the most claims was 2017 (731 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801982: 18 claims, 15 paid, $71,918 in total1983: 34 claims, 23 paid, $165,845 in total1984: 59 claims, 55 paid, $478,108 in total1989: 164 claims, 155 paid, $2,247,680 in total19901992: 127 claims, 118 paid, $1,671,782 in total1994: 12 claims1997: 48 claims, 46 paid, $627,281 in total20002001: 435 claims, 404 paid, $18,510,316 in total20012002: 111 claims, 95 paid, $2,355,570 in total2003: 34 claims, 28 paid, $313,816 in total2006: 80 claims, 78 paid, $2,294,296 in total2008: 253 claims, 213 paid, $5,967,365 in total2009: 25 claims, 20 paid, $297,172 in total20102014: 30 claims, 29 paid, $662,985 in total2015: 47 claims, 38 paid, $896,974 in total2016: 23 claims, 18 paid, $745,076 in total2017: 731 claims, 698 paid, $57,006,666 in total20172019: 280 claims, 265 paid, $13,525,383 in total201920202024: 36 claims, 24 paid, $821,790 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243624$821,790$34,241
2019280265$13,525,383$51,039
2017731698$57,006,666$81,671
20162318$745,076$41,393
20154738$896,974$23,605
20143029$662,985$22,862
20092520$297,172$14,859
2008253213$5,967,365$28,016
20068078$2,294,296$29,414
20033428$313,816$11,208
200211195$2,355,570$24,795
2001435404$18,510,316$45,818
19974846$627,281$13,637
199412<10––
1992127118$1,671,782$14,168
1989164155$2,247,680$14,501
19845955$478,108$8,693
19833423$165,845$7,211
19821815$71,918$4,795

From 2016 to 2026: 1,070 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 (878 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.