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Flood insurance cost · ZIP 77044 · TX

Flood insurance cost in ZIP 77044 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,149 home policies in force on August 31, 2026.

ZIP code 77044 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$886a year

Half of insured homes paid between $740 and $1,082. That is 19% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (99%).

$0$740 · $886 · $1,082$1,352
+3.4% vs Aug 31, 2025 (median $857)
2,149home policies in force
$914average cost (mean)
1%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 77044

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		$1,101$863–$1,224$1,06514 (1%)+18.0%
Zone X
Moderate to low risk		$885$740–$1,080$9132,135 (99%)+3.3%

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 77044, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,108$890$916
Manufactured (mobile) home30$878$943
Condo or apartment unit11$433$487
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		120$2,328$2,491

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

2,276NFIP policies in force, any building
2,276insured 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 77044

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 force2,4732,149−13.1%
Median annual cost$857$886+3.4%
Average annual cost$859$914+6.4%
All policies in force (any building)2,5962,276−12.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77044 have filed 1,087 flood claims. 936 received a payment, for a total of $55.8 million (an average of $59,658 per paid claim). The year with the most claims was 2017 (468 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 20 claims, 18 paid, $144,465 in total19801981: 38 claims, 35 paid, $280,063 in total1983: 16 claims, 12 paid, $100,360 in total1989: 21 claims, 20 paid, $344,707 in total19901992: 15 claims, 14 paid, $184,399 in total1994: 43 claims, 41 paid, $1,423,802 in total20002001: 253 claims, 240 paid, $9,130,624 in total20012006: 23 claims, 19 paid, $266,849 in total2007: 10 claims2008: 44 claims, 14 paid, $184,147 in total20102017: 468 claims, 428 paid, $41,253,719 in total20172019: 57 claims, 46 paid, $1,817,724 in total201920202021: 14 claims2024: 11 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202411<10––
202114<10––
20195746$1,817,724$39,516
2017468428$41,253,719$96,387
20084414$184,147$13,153
200710<10––
20062319$266,849$14,045
2001253240$9,130,624$38,044
19944341$1,423,802$34,727
19921514$184,399$13,171
19892120$344,707$17,235
19831612$100,360$8,363
19813835$280,063$8,002
19792018$144,465$8,026

From 2016 to 2026: 550 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 (1,840 home policies) · Houston (308 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.