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Flood insurance cost · ZIP 77072 · TX

Flood insurance cost in ZIP 77072 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,526 home policies in force on August 31, 2026.

ZIP code 77072 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,336a year

Half of insured homes paid between $1,090 and $1,633. That is 23% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (81%).

$0$1,090 · $1,336 · $1,633$2,041
+6.1% vs Aug 31, 2025 (median $1,259)
1,526home policies in force
$1,380average cost (mean)
90%of insured homes in high-risk zones (A, V)
$146,000median 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 77072

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		$1,385$1,133–$1,661$1,4131,240 (81%)+5.6%
Zone A
High risk		$1,359$985–$1,714$1,371127 (8%)+6.0%
Zone X
Moderate to low risk		$1,107$1,008–$1,264$1,128159 (10%)+16.6%

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 77072, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,377$1,378$1,430
2–4 unit building37$1,293$1,374
Condo or apartment unit112$757$759
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.		185$3,543$3,847
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		165$3,390$3,946

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

1,876NFIP policies in force, any building
2,279insured units (condo association policies count every unit)
58%of home policies also cover contents
$32,000median contents coverage, when bought

One year on: ZIP code 77072

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 force1,7851,526−14.5%
Median annual cost$1,259$1,336+6.1%
Average annual cost$1,295$1,380+6.6%
All policies in force (any building)2,1501,876−12.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77072 have filed 1,446 flood claims. 970 received a payment, for a total of $18.2 million (an average of $18,737 per paid claim). The year with the most claims was 2017 (365 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 16 claims, 13 paid, $22,093 in total19801981: 12 claims1983: 79 claims, 61 paid, $243,880 in total1989: 15 claims19901992: 23 claims, 19 paid, $89,069 in total1999: 34 claims, 31 paid, $211,718 in total20002002: 15 claims, 12 paid, $71,139 in total2003: 12 claims, 11 paid, $42,943 in total2004: 10 claims2008: 70 claims, 25 paid, $135,893 in total2009: 220 claims, 204 paid, $4,895,339 in total20092010: 13 claims20102012: 22 claims, 15 paid, $177,744 in total2013: 12 claims2015: 207 claims, 175 paid, $4,348,982 in total20152016: 171 claims, 140 paid, $3,202,382 in total2017: 365 claims, 170 paid, $4,219,684 in total20172019: 24 claims, 17 paid, $125,428 in total20202021: 16 claims2024: 20 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202420<10––
202116<10––
20192417$125,428$7,378
2017365170$4,219,684$24,822
2016171140$3,202,382$22,874
2015207175$4,348,982$24,851
201312<10––
20122215$177,744$11,850
201013<10––
2009220204$4,895,339$23,997
20087025$135,893$5,436
200410<10––
20031211$42,943$3,904
20021512$71,139$5,928
19993431$211,718$6,830
19922319$89,069$4,688
198915<10––
19837961$243,880$3,998
198112<10––
19791613$22,093$1,699

From 2016 to 2026: 596 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 (1,517 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.