Flood insurance cost · ZIP 77058 · TX

Flood insurance cost in ZIP 77058 (Nassau Bay, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,763 home policies in force on August 31, 2026.

ZIP code 77058 (Nassau Bay, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,260a year

Half of insured homes paid between $1,070 and $1,520. That is 16% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (54%).

$0$1,070 · $1,260 · $1,520$1,900

+16.2% vs Aug 31, 2025 (median $1,084)

1,763home policies in force

$1,613average cost (mean)

62%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 77058

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,430	$1,054–$1,972	$1,787	148 (8%)	+16.6%
Zone AE High risk	$1,384	$1,160–$2,253	$1,949	944 (54%)	+15.0%
Zone X Moderate to low risk	$1,138	$959–$1,266	$1,102	671 (38%)	+8.9%

Not shown (fewer than 10 home policies): 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 77058, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,531	$1,269	$1,740
2–4 unit building	15	$1,122	$1,125
Condo or apartment unit	217	$679	$749
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.	180	$1,912	$3,701
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	140	$3,076	$3,881

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,083NFIP policies in force, any building

2,703insured units (condo association policies count every unit)

87%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 77058

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, 2025	Aug 31, 2026	Change
Home policies in force	1,866	1,763	−5.5%
Median annual cost	$1,084	$1,260	+16.2%
Average annual cost	$1,447	$1,613	+11.5%
All policies in force (any building)	2,184	2,083	−4.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77058 have filed 2,068 flood claims. 1,533 received a payment, for a total of $67.0 million (an average of $43,677 per paid claim). The year with the most claims was 2008 (488 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 loss	Claims	Paid claims	Total paid	Average per paid claim
2017	348	274	$18,126,425	$66,155
2015	24	15	$633,133	$42,209
2009	53	48	$704,314	$14,673
2008	488	367	$31,740,729	$86,487
2003	11	<10	–	–
2001	177	136	$2,181,004	$16,037
1998	110	74	$2,109,077	$28,501
1995	49	40	$249,229	$6,231
1994	10	<10	–	–
1989	153	90	$819,611	$9,107
1983	172	141	$4,863,151	$34,490
1981	23	14	$17,141	$1,224
1980	10	<10	–	–
1979	359	288	$4,992,911	$17,336

From 2016 to 2026: 348 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

Nassau Bay (1,042 home policies) · Houston (362 home policies) · Pasadena (218 home policies) · Webster (140 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.