Flood insurance cost · ZIP 77078 · TX

Flood insurance cost in ZIP 77078 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 575 home policies in force on August 31, 2026.

ZIP code 77078 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,001a year

Half of insured homes paid between $844 and $1,113. That is 8% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (96%).

$0$844 · $1,001 · $1,113$1,391

+8.1% vs Aug 31, 2025 (median $926)

575home policies in force

$981average cost (mean)

4%of insured homes in high-risk zones (A, V)

$204,000median 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 77078

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$984	$922–$1,066	$1,037	25 (4%)	+2.8%
Zone X Moderate to low risk	$1,002	$844–$1,114	$978	550 (96%)	+8.3%

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 77078, by what they insure.

Type of building	Policies	Median	Average
Single-family home	573	$1,001	$981

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

581NFIP policies in force, any building

581insured units (condo association policies count every unit)

94%of home policies also cover contents

$75,000median contents coverage, when bought

One year on: ZIP code 77078

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, 2025	Aug 31, 2026	Change
Home policies in force	640	575	−10.2%
Median annual cost	$926	$1,001	+8.1%
Average annual cost	$909	$981	+7.9%
All policies in force (any building)	645	581	−9.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77078 have filed 556 flood claims. 470 received a payment, for a total of $30.8 million (an average of $65,484 per paid claim). The year with the most claims was 2017 (347 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (4)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	32	16	$192,855	$12,053
2017	347	327	$27,182,440	$83,127
2008	26	12	$85,596	$7,133
2001	73	72	$2,902,411	$40,311

From 2016 to 2026: 379 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 (574 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.