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Flood insurance cost · ZIP 77074 · TX

Flood insurance cost in ZIP 77074 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,671 home policies in force on August 31, 2026.

ZIP code 77074 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,379a year

Half of insured homes paid between $1,084 and $1,902. That is 27% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (86%).

$0$1,084 · $1,379 · $1,902$2,378
+5.9% vs Aug 31, 2025 (median $1,302)
1,671home policies in force
$1,539average cost (mean)
86%of insured homes in high-risk zones (A, V)
$200,000median 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 77074

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		$1,500$1,131–$1,979$1,6051,432 (86%)+6.4%
Zone A
High risk		$583$463–$826$62913 (1%)+3.2%
Zone X
Moderate to low risk		$1,186$1,075–$1,264$1,173226 (14%)+17.0%

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 77074, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,574$1,422$1,579
2–4 unit building10$1,107$1,277
Condo or apartment unit87$798$842
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.		245$3,042$3,406
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		138$3,874$4,009

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

2,054NFIP policies in force, any building
2,491insured units (condo association policies count every unit)
74%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: ZIP code 77074

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 force1,7781,671−6.0%
Median annual cost$1,302$1,379+5.9%
Average annual cost$1,434$1,539+7.3%
All policies in force (any building)2,1612,054−5.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77074 have filed 2,828 flood claims. 2,445 received a payment, for a total of $176.7 million (an average of $72,265 per paid claim). The year with the most claims was 2017 (1,163 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 45 claims, 32 paid, $367,912 in total19801981: 17 claims, 10 paid, $20,289 in total1983: 172 claims, 150 paid, $2,847,185 in total1989: 11 claims19901992: 51 claims, 50 paid, $1,707,670 in total1994: 11 claims1997: 10 claims20002001: 63 claims, 45 paid, $417,237 in total2003: 103 claims, 95 paid, $3,356,306 in total2008: 74 claims, 25 paid, $756,767 in total2009: 15 claims, 13 paid, $315,772 in total20102012: 63 claims, 56 paid, $1,733,333 in total2015: 506 claims, 473 paid, $35,913,262 in total20152016: 394 claims, 338 paid, $15,344,513 in total20162017: 1,163 claims, 1,069 paid, $112,200,588 in total20172019: 12 claims20202024: 17 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202417<10––
201912<10––
20171,1631,069$112,200,588$104,958
2016394338$15,344,513$45,398
2015506473$35,913,262$75,927
20126356$1,733,333$30,952
20091513$315,772$24,290
20087425$756,767$30,271
200310395$3,356,306$35,330
20016345$417,237$9,272
199710<10––
199411<10––
19925150$1,707,670$34,153
198911<10––
1983172150$2,847,185$18,981
19811710$20,289$2,029
19794532$367,912$11,497

From 2016 to 2026: 1,586 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 (1,671 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.