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Flood insurance cost · ZIP 77060 · TX

Flood insurance cost in ZIP 77060 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 396 home policies in force on August 31, 2026.

ZIP code 77060 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,182a year

Half of insured homes paid between $997 and $1,336. That is 9% more than the Harris County median ($1,088). The most common flood zone for insured homes here is zone X (46%).

$0$997 · $1,182 · $1,336$1,670
+13.0% vs Aug 31, 2025 (median $1,046)
396home policies in force
$1,205average cost (mean)
54%of insured homes in high-risk zones (A, V)
$182,000median 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 77060

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		$1,232$944–$1,592$1,276133 (34%)+12.6%
Zone AO
High risk, shallow		$1,175$893–$1,411$1,17980 (20%)+6.0%
Zone X
Moderate to low risk		$1,173$1,065–$1,264$1,164183 (46%)+16.7%

Not shown (fewer than 10 home policies): VE, A, 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 77060, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home376$1,188$1,214
Condo or apartment unit10$711$654
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.		89$3,245$3,485
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		177$3,451$3,607

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

662NFIP policies in force, any building
662insured units (condo association policies count every unit)
80%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: ZIP code 77060

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 force443396−10.6%
Median annual cost$1,046$1,182+13.0%
Average annual cost$1,079$1,205+11.7%
All policies in force (any building)730662−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77060 have filed 1,842 flood claims. 1,522 received a payment, for a total of $141.7 million (an average of $93,069 per paid claim). The year with the most claims was 2017 (397 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 13 claims, 13 paid, $109,224 in total1979: 59 claims, 59 paid, $712,964 in total19801983: 17 claims1984: 10 claims, 10 paid, $886,447 in total1989: 30 claims, 23 paid, $395,344 in total199020002001: 254 claims, 239 paid, $21,302,532 in total20012002: 268 claims, 232 paid, $17,904,385 in total20022003: 146 claims, 111 paid, $7,097,021 in total2006: 11 claims, 10 paid, $118,756 in total2008: 166 claims, 124 paid, $4,894,252 in total20102014: 10 claims2015: 21 claims, 19 paid, $562,742 in total2016: 215 claims, 155 paid, $30,234,257 in total2017: 397 claims, 341 paid, $48,804,714 in total20172019: 107 claims, 100 paid, $4,169,844 in total20202024: 45 claims, 33 paid, $3,452,964 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244533$3,452,964$104,635
2019107100$4,169,844$41,698
2017397341$48,804,714$143,122
2016215155$30,234,257$195,060
20152119$562,742$29,618
201410<10––
2008166124$4,894,252$39,470
20061110$118,756$11,876
2003146111$7,097,021$63,937
2002268232$17,904,385$77,174
2001254239$21,302,532$89,132
19893023$395,344$17,189
19841010$886,447$88,645
198317<10––
19795959$712,964$12,084
19781313$109,224$8,402

From 2016 to 2026: 764 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 (250 home policies) · Houston (146 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.