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Flood insurance cost · ZIP 77043 · TX

Flood insurance cost in ZIP 77043 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,620 home policies in force on August 31, 2026.

ZIP code 77043 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$804a year

Half of insured homes paid between $689 and $987. That is 26% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (100%).

$0$689 · $804 · $987$1,234
+2.8% vs Aug 31, 2025 (median $782)
1,620home policies in force
$829average cost (mean)
0%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 77043

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 X
Moderate to low risk		$804$689–$987$8301,612 (100%)+2.7%

Not shown (fewer than 10 home policies): VE, AE, 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 77043, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,568$812$839
Condo or apartment unit48$520$524
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		93$2,257$2,281

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association).

1,717NFIP policies in force, any building
1,717insured 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 77043

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 force1,7991,620−9.9%
Median annual cost$782$804+2.8%
Average annual cost$794$829+4.4%
All policies in force (any building)1,9181,717−10.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77043 have filed 937 flood claims. 798 received a payment, for a total of $21.2 million (an average of $26,514 per paid claim). The year with the most claims was 2009 (186 claims). Amounts are in dollars of the time, not adjusted for inflation.

05010015020019801981: 33 claims, 30 paid, $146,644 in total1983: 23 claims, 14 paid, $99,535 in total1989: 11 claims19901992: 55 claims, 50 paid, $1,079,122 in total1997: 12 claims1998: 66 claims, 63 paid, $787,489 in total1999: 34 claims, 27 paid, $346,457 in total20002001: 33 claims, 25 paid, $443,463 in total2002: 31 claims, 28 paid, $521,619 in total2003: 27 claims, 24 paid, $456,521 in total2007: 48 claims, 44 paid, $1,238,308 in total2008: 24 claims, 13 paid, $205,627 in total2009: 186 claims, 176 paid, $5,796,934 in total200920102015: 49 claims, 44 paid, $1,007,532 in total2016: 88 claims, 79 paid, $2,400,692 in total20162017: 127 claims, 102 paid, $5,626,560 in total20172019: 17 claims, 15 paid, $331,022 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20191715$331,022$22,068
2017127102$5,626,560$55,162
20168879$2,400,692$30,389
20154944$1,007,532$22,898
2009186176$5,796,934$32,937
20082413$205,627$15,817
20074844$1,238,308$28,143
20032724$456,521$19,022
20023128$521,619$18,629
20013325$443,463$17,739
19993427$346,457$12,832
19986663$787,489$12,500
199712<10––
19925550$1,079,122$21,582
198911<10––
19832314$99,535$7,110
19813330$146,644$4,888

From 2016 to 2026: 232 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 (1,619 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.