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Flood insurance cost · ZIP 77049 · TX

Flood insurance cost in ZIP 77049 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 894 home policies in force on August 31, 2026.

ZIP code 77049 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,050a year

Half of insured homes paid between $837 and $1,224. That is 3% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (87%).

$0$837 · $1,050 · $1,224$1,530
+12.8% vs Aug 31, 2025 (median $931)
894home policies in force
$1,028average cost (mean)
13%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 77049

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		$1,078$853–$1,368$1,18890 (10%)+12.8%
Zone A
High risk		$749$708–$858$77119 (2%)+5.6%
Zone X
Moderate to low risk		$1,059$856–$1,217$1,015782 (87%)+13.7%

Not shown (fewer than 10 home policies): VE, 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 77049, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home883$1,053$1,030
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.		18$1,608$1,572
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		148$2,246$2,529

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

1,060NFIP policies in force, any building
1,060insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77049

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 force1,028894−13.0%
Median annual cost$931$1,050+12.8%
Average annual cost$934$1,028+10.1%
All policies in force (any building)1,1761,060−9.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77049 have filed 1,094 flood claims. 899 received a payment, for a total of $41.7 million (an average of $46,361 per paid claim). The year with the most claims was 2017 (374 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 27 claims, 22 paid, $168,568 in total19801981: 39 claims, 34 paid, $220,219 in total1983: 56 claims, 42 paid, $344,489 in total1989: 52 claims, 46 paid, $672,519 in total19901994: 97 claims, 87 paid, $2,558,477 in total19941998: 46 claims, 37 paid, $397,476 in total20002001: 95 claims, 86 paid, $2,865,142 in total2006: 17 claims, 16 paid, $331,576 in total2008: 98 claims, 65 paid, $1,097,390 in total200820102015: 21 claims, 17 paid, $466,935 in total2016: 44 claims, 28 paid, $475,239 in total2017: 374 claims, 324 paid, $29,994,524 in total20172019: 45 claims, 39 paid, $1,432,635 in total20202024: 18 claims, 11 paid, $229,949 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241811$229,949$20,904
20194539$1,432,635$36,734
2017374324$29,994,524$92,576
20164428$475,239$16,973
20152117$466,935$27,467
20089865$1,097,390$16,883
20061716$331,576$20,724
20019586$2,865,142$33,316
19984637$397,476$10,743
19949787$2,558,477$29,408
19895246$672,519$14,620
19835642$344,489$8,202
19813934$220,219$6,477
19792722$168,568$7,662

From 2016 to 2026: 481 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 (712 home policies) · Houston (182 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.