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Flood insurance cost · ZIP 77075 · TX

Flood insurance cost in ZIP 77075 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 907 home policies in force on August 31, 2026.

ZIP code 77075 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,218a year

Half of insured homes paid between $1,076 and $1,269. That is 12% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (84%).

$0$1,076 · $1,218 · $1,269$1,586
+16.4% vs Aug 31, 2025 (median $1,046)
907home policies in force
$1,199average cost (mean)
16%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 77075

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		$1,328$1,087–$1,594$1,325148 (16%)+5.1%
Zone X
Moderate to low risk		$1,198$1,076–$1,266$1,175759 (84%)+16.1%

Not shown (fewer than 10 home policies): VE, 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 77075, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home890$1,219$1,207
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.		15$1,489$1,511
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		85$2,938$3,234

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

1,007NFIP policies in force, any building
1,007insured units (condo association policies count every unit)
94%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: ZIP code 77075

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 force1,058907−14.3%
Median annual cost$1,046$1,218+16.4%
Average annual cost$1,057$1,199+13.4%
All policies in force (any building)1,1661,007−13.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77075 have filed 1,494 flood claims. 1,320 received a payment, for a total of $61.2 million (an average of $46,386 per paid claim). The year with the most claims was 2017 (485 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 62 claims, 59 paid, $528,017 in total19801981: 69 claims, 63 paid, $293,072 in total1983: 75 claims, 60 paid, $221,763 in total1985: 10 claims1989: 61 claims, 51 paid, $544,964 in total19901994: 98 claims, 92 paid, $2,973,248 in total1997: 12 claims, 11 paid, $45,315 in total20002001: 192 claims, 171 paid, $5,263,754 in total20012006: 103 claims, 100 paid, $3,087,862 in total2007: 18 claims, 18 paid, $273,773 in total2008: 115 claims, 83 paid, $1,675,038 in total20082009: 51 claims, 44 paid, $648,385 in total20102015: 26 claims, 24 paid, $488,119 in total2017: 485 claims, 458 paid, $42,839,891 in total20172020: 28 claims, 21 paid, $1,160,091 in total20202024: 19 claims, 15 paid, $649,837 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
20241915$649,837$43,322
20202821$1,160,091$55,242
2017485458$42,839,891$93,537
20152624$488,119$20,338
20095144$648,385$14,736
200811583$1,675,038$20,181
20071818$273,773$15,210
2006103100$3,087,862$30,879
2001192171$5,263,754$30,782
19971211$45,315$4,120
19949892$2,973,248$32,318
19896151$544,964$10,686
198510<10––
19837560$221,763$3,696
19816963$293,072$4,652
19796259$528,017$8,949

From 2016 to 2026: 532 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 (907 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.