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Flood insurance cost · ZIP 77071 · TX

Flood insurance cost in ZIP 77071 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 988 home policies in force on August 31, 2026.

ZIP code 77071 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,259a year

Half of insured homes paid between $1,082 and $1,269. That is 16% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (76%).

$0$1,082 · $1,259 · $1,269$1,586
+16.7% vs Aug 31, 2025 (median $1,079)
988home policies in force
$1,298average cost (mean)
24%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 77071

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		$1,358$1,085–$1,828$1,594214 (22%)+5.0%
Zone A
High risk		$1,082$988–$1,600$1,27923 (2%)+4.5%
Zone X
Moderate to low risk		$1,257$1,083–$1,265$1,214751 (76%)+16.7%

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 77071, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home953$1,258$1,292
Condo or apartment unit33$1,446$1,352
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		35$2,561$3,117

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

1,028NFIP policies in force, any building
1,073insured 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 77071

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 force1,117988−11.5%
Median annual cost$1,079$1,259+16.7%
Average annual cost$1,155$1,298+12.4%
All policies in force (any building)1,1611,028−11.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77071 have filed 882 flood claims. 631 received a payment, for a total of $23.2 million (an average of $36,842 per paid claim). The year with the most claims was 2017 (265 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 13 claims19801981: 29 claims, 22 paid, $68,184 in total1983: 56 claims, 30 paid, $164,400 in total19831987: 11 claims1989: 17 claims19901994: 15 claims, 11 paid, $37,878 in total20002001: 56 claims, 44 paid, $314,114 in total2003: 17 claims, 13 paid, $124,330 in total2008: 56 claims, 26 paid, $233,927 in total20102012: 33 claims, 27 paid, $360,310 in total2013: 52 claims, 47 paid, $637,644 in total2015: 99 claims, 87 paid, $5,137,875 in total20152016: 53 claims, 50 paid, $1,986,672 in total2017: 265 claims, 200 paid, $13,535,206 in total201720202024: 15 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202415<10––
2017265200$13,535,206$67,676
20165350$1,986,672$39,733
20159987$5,137,875$59,056
20135247$637,644$13,567
20123327$360,310$13,345
20085626$233,927$8,997
20031713$124,330$9,564
20015644$314,114$7,139
19941511$37,878$3,443
198917<10––
198711<10––
19835630$164,400$5,480
19812922$68,184$3,099
197913<10––

From 2016 to 2026: 333 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 (838 home policies) · Missouri City (150 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.