Menu

Flood insurance cost · ZIP 77079 · TX

Flood insurance cost in ZIP 77079 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,143 home policies in force on August 31, 2026.

ZIP code 77079 (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 $1,046 and $1,263. That is 4% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (89%).

$0$1,046 · $1,135 · $1,263$1,579
+8.0% vs Aug 31, 2025 (median $1,051)
4,143home policies in force
$1,160average cost (mean)
11%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 77079

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		$1,336$997–$1,554$1,310451 (11%)+6.5%
Zone X
Moderate to low risk		$1,110$1,049–$1,261$1,1423,692 (89%)+5.8%

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 77079, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,989$1,161$1,181
2–4 unit building11$1,309$1,246
Condo or apartment unit143$564$564
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.		88$1,603$2,051
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		93$1,869$2,289

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

4,324NFIP policies in force, any building
4,653insured units (condo association policies count every unit)
98%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77079

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 force4,4984,143−7.9%
Median annual cost$1,051$1,135+8.0%
Average annual cost$1,049$1,160+10.6%
All policies in force (any building)4,6974,324−7.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77079 have filed 3,384 flood claims. 2,899 received a payment, for a total of $430.1 million (an average of $148,357 per paid claim). The year with the most claims was 2017 (1,757 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 10 claims1979: 15 claims1980: 14 claims19801981: 53 claims, 41 paid, $307,715 in total1983: 36 claims, 20 paid, $124,545 in total1985: 18 claims1989: 20 claims, 13 paid, $58,694 in total19901992: 161 claims, 139 paid, $2,502,517 in total1994: 19 claims, 10 paid, $72,397 in total1997: 32 claims, 22 paid, $55,360 in total1998: 31 claims, 22 paid, $121,864 in total1999: 127 claims, 109 paid, $1,780,565 in total20002001: 35 claims, 22 paid, $174,872 in total2002: 64 claims, 53 paid, $762,755 in total2003: 44 claims, 37 paid, $287,325 in total2005: 11 claims2006: 11 claims2007: 28 claims, 20 paid, $223,693 in total2008: 55 claims, 27 paid, $235,471 in total2009: 467 claims, 437 paid, $18,405,583 in total200920102012: 25 claims, 20 paid, $356,225 in total2015: 66 claims, 57 paid, $1,341,908 in total2016: 167 claims, 143 paid, $6,560,334 in total20162017: 1,757 claims, 1,599 paid, $395,327,650 in total20172019: 15 claims, 12 paid, $380,137 in total20202024: 11 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202411<10––
20191512$380,137$31,678
20171,7571,599$395,327,650$247,234
2016167143$6,560,334$45,876
20156657$1,341,908$23,542
20122520$356,225$17,811
2009467437$18,405,583$42,118
20085527$235,471$8,721
20072820$223,693$11,185
200611<10––
200511<10––
20034437$287,325$7,766
20026453$762,755$14,392
20013522$174,872$7,949
1999127109$1,780,565$16,335
19983122$121,864$5,539
19973222$55,360$2,516
19941910$72,397$7,240
1992161139$2,502,517$18,004
19892013$58,694$4,515
198518<10––
19833620$124,545$6,227
19815341$307,715$7,505
198014<10––
197915<10––
197810<10––

From 2016 to 2026: 1,950 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 (4,142 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.