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Flood insurance cost · ZIP 77042 · TX

Flood insurance cost in ZIP 77042 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,586 home policies in force on August 31, 2026.

ZIP code 77042 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,148a year

Half of insured homes paid between $1,077 and $1,260. That is 6% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (96%).

$0$1,077 · $1,148 · $1,260$1,575
+9.2% vs Aug 31, 2025 (median $1,051)
1,586home policies in force
$1,133average cost (mean)
4%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 77042

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		$1,033$922–$1,268$1,21771 (4%)+8.1%
Zone X
Moderate to low risk		$1,158$1,077–$1,260$1,1291,515 (96%)+10.0%

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 77042, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,471$1,181$1,177
Condo or apartment unit113$574$576
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.		52$1,386$1,662
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		63$2,334$2,596

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

1,701NFIP policies in force, any building
1,769insured units (condo association policies count every unit)
98%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77042

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 force1,7751,586−10.6%
Median annual cost$1,051$1,148+9.2%
Average annual cost$1,018$1,133+11.3%
All policies in force (any building)1,8921,701−10.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77042 have filed 1,358 flood claims. 1,067 received a payment, for a total of $108.6 million (an average of $101,768 per paid claim). The year with the most claims was 2017 (522 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 19 claims, 16 paid, $86,030 in total1980: 17 claims19801981: 25 claims, 18 paid, $182,352 in total1983: 21 claims, 13 paid, $277,741 in total1984: 13 claims1985: 12 claims1989: 14 claims19901992: 43 claims, 35 paid, $1,127,198 in total1998: 30 claims, 22 paid, $799,860 in total1999: 23 claims, 19 paid, $162,987 in total20002001: 20 claims, 15 paid, $424,621 in total2002: 23 claims, 18 paid, $152,508 in total2003: 21 claims, 17 paid, $314,834 in total2007: 16 claims, 14 paid, $85,286 in total2008: 67 claims, 39 paid, $762,914 in total2009: 192 claims, 175 paid, $6,626,564 in total200920102012: 12 claims2015: 90 claims, 76 paid, $3,706,105 in total20152016: 70 claims, 55 paid, $2,046,556 in total2017: 522 claims, 450 paid, $90,533,151 in total20172019: 14 claims, 13 paid, $301,738 in total2020
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
20191413$301,738$23,211
2017522450$90,533,151$201,185
20167055$2,046,556$37,210
20159076$3,706,105$48,765
201212<10––
2009192175$6,626,564$37,866
20086739$762,914$19,562
20071614$85,286$6,092
20032117$314,834$18,520
20022318$152,508$8,473
20012015$424,621$28,308
19992319$162,987$8,578
19983022$799,860$36,357
19924335$1,127,198$32,206
198914<10––
198512<10––
198413<10––
19832113$277,741$21,365
19812518$182,352$10,131
198017<10––
19791916$86,030$5,377

From 2016 to 2026: 606 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 (1,586 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.