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Flood insurance cost · ZIP 77040 · TX

Flood insurance cost in ZIP 77040 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,755 home policies in force on August 31, 2026.

ZIP code 77040 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,256a year

Half of insured homes paid between $1,060 and $1,500. That is 15% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (52%).

$0$1,060 · $1,256 · $1,500$1,875
+16.3% vs Aug 31, 2025 (median $1,080)
2,755home policies in force
$1,297average cost (mean)
53%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 77040

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		$1,404$1,057–$1,734$1,4391,446 (52%)+8.2%
Zone X
Moderate to low risk		$1,172$1,070–$1,266$1,1431,299 (47%)+12.4%

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 77040, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,729$1,254$1,296
2–4 unit building15$2,015$1,963
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.		75$4,012$3,421
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		243$3,225$3,812

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

3,073NFIP policies in force, any building
3,076insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77040

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 force2,9922,755−7.9%
Median annual cost$1,080$1,256+16.3%
Average annual cost$1,170$1,297+10.9%
All policies in force (any building)3,3333,073−7.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77040 have filed 4,160 flood claims. 3,700 received a payment, for a total of $160.9 million (an average of $43,496 per paid claim). The year with the most claims was 2001 (1,525 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1980: 21 claims, 10 paid, $11,420 in total19801981: 45 claims, 40 paid, $220,626 in total1983: 25 claims, 13 paid, $43,430 in total1984: 49 claims, 46 paid, $333,142 in total1989: 63 claims, 47 paid, $363,836 in total19901992: 44 claims, 38 paid, $433,535 in total1994: 13 claims1997: 12 claims1998: 643 claims, 623 paid, $20,372,064 in total199820002001: 1,525 claims, 1,447 paid, $78,524,633 in total20012002: 480 claims, 445 paid, $13,211,677 in total2003: 17 claims, 11 paid, $66,050 in total2006: 32 claims, 27 paid, $301,609 in total2007: 13 claims2008: 81 claims, 27 paid, $270,345 in total2009: 18 claims, 11 paid, $280,981 in total20102014: 12 claims2015: 36 claims, 23 paid, $379,186 in total2016: 679 claims, 643 paid, $35,935,180 in total20162017: 270 claims, 185 paid, $9,335,362 in total20202024: 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202413<10––
2017270185$9,335,362$50,461
2016679643$35,935,180$55,887
20153623$379,186$16,486
201412<10––
20091811$280,981$25,544
20088127$270,345$10,013
200713<10––
20063227$301,609$11,171
20031711$66,050$6,005
2002480445$13,211,677$29,689
20011,5251,447$78,524,633$54,267
1998643623$20,372,064$32,700
199712<10––
199413<10––
19924438$433,535$11,409
19896347$363,836$7,741
19844946$333,142$7,242
19832513$43,430$3,341
19814540$220,626$5,516
19802110$11,420$1,142

From 2016 to 2026: 962 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 (1,051 home policies) · Jersey Village (1,007 home policies) · Houston (697 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.