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Flood insurance cost · ZIP 77076 · TX

Flood insurance cost in ZIP 77076 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 350 home policies in force on August 31, 2026.

ZIP code 77076 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,135a year

Half of insured homes paid between $1,040 and $1,262. That is 4% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (98%).

$0$1,040 · $1,135 · $1,262$1,578
+13.7% vs Aug 31, 2025 (median $998)
350home policies in force
$1,156average cost (mean)
2%of insured homes in high-risk zones (A, V)
$220,000median 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 77076

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 X
Moderate to low risk		$1,134$1,040–$1,262$1,156344 (98%)+13.9%

Not shown (fewer than 10 home policies): VE, AE, 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 77076, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home346$1,135$1,158
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.		36$4,556$4,454
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		26$3,219$3,412

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

412NFIP policies in force, any building
412insured units (condo association policies count every unit)
95%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 77076

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 force412350−15.0%
Median annual cost$998$1,135+13.7%
Average annual cost$1,021$1,156+13.2%
All policies in force (any building)479412−14.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77076 have filed 1,025 flood claims. 934 received a payment, for a total of $26.0 million (an average of $27,799 per paid claim). The year with the most claims was 2008 (300 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801983: 19 claims, 17 paid, $117,108 in total1984: 11 claims, 11 paid, $164,030 in total1989: 33 claims, 30 paid, $308,541 in total19901992: 43 claims, 39 paid, $437,714 in total1997: 39 claims, 34 paid, $488,430 in total1998: 14 claims, 12 paid, $88,898 in total20002001: 146 claims, 139 paid, $3,773,358 in total20012002: 19 claims, 18 paid, $179,396 in total2008: 300 claims, 280 paid, $10,041,044 in total20082009: 13 claims, 12 paid, $125,332 in total2010: 16 claims20102015: 76 claims, 67 paid, $1,360,742 in total2017: 113 claims, 98 paid, $3,990,209 in total20172019: 113 claims, 108 paid, $3,813,438 in total20202024: 22 claims, 22 paid, $647,858 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242222$647,858$29,448
2019113108$3,813,438$35,310
201711398$3,990,209$40,716
20157667$1,360,742$20,310
201016<10––
20091312$125,332$10,444
2008300280$10,041,044$35,861
20021918$179,396$9,966
2001146139$3,773,358$27,146
19981412$88,898$7,408
19973934$488,430$14,366
19924339$437,714$11,223
19893330$308,541$10,285
19841111$164,030$14,912
19831917$117,108$6,889

From 2016 to 2026: 248 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 (350 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.