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Flood insurance cost · ZIP 77055 · TX

Flood insurance cost in ZIP 77055 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,278 home policies in force on August 31, 2026.

ZIP code 77055 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $904 and $1,264. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone X (99%).

$0$904 · $1,084 · $1,264$1,580
+13.0% vs Aug 31, 2025 (median $959)
2,278home policies in force
$1,099average 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 77055

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		$1,072$856–$1,282$1,10824 (1%)+2.9%
Zone X
Moderate to low risk		$1,084$904–$1,264$1,0992,254 (99%)+13.2%

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 77055, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,242$1,084$1,106
Condo or apartment unit29$529$596
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		90$2,672$3,101

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

2,373NFIP policies in force, any building
2,373insured 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 77055

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 force2,5272,278−9.9%
Median annual cost$959$1,084+13.0%
Average annual cost$1,008$1,099+9.0%
All policies in force (any building)2,6212,373−9.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77055 have filed 820 flood claims. 660 received a payment, for a total of $27.5 million (an average of $41,703 per paid claim). The year with the most claims was 2015 (141 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 11 claims19801981: 14 claims, 10 paid, $66,559 in total1983: 29 claims, 18 paid, $99,100 in total1989: 13 claims19901992: 41 claims, 34 paid, $412,765 in total20002001: 41 claims, 32 paid, $2,229,454 in total2002: 13 claims, 12 paid, $131,599 in total2003: 20 claims, 16 paid, $596,787 in total2008: 118 claims, 92 paid, $4,035,293 in total20082009: 115 claims, 109 paid, $6,539,964 in total200920102015: 141 claims, 135 paid, $6,908,398 in total20152016: 58 claims, 52 paid, $1,787,637 in total2017: 95 claims, 63 paid, $2,512,471 in total2019: 33 claims, 27 paid, $1,256,739 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20193327$1,256,739$46,546
20179563$2,512,471$39,880
20165852$1,787,637$34,378
2015141135$6,908,398$51,173
2009115109$6,539,964$60,000
200811892$4,035,293$43,862
20032016$596,787$37,299
20021312$131,599$10,967
20014132$2,229,454$69,670
19924134$412,765$12,140
198913<10––
19832918$99,100$5,506
19811410$66,559$6,656
197911<10––

From 2016 to 2026: 186 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 (1,578 home policies) · Spring Valley Village (596 home policies) · Hilshire Village (102 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.