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Flood insurance cost · ZIP 77082 · TX

Flood insurance cost in ZIP 77082 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,237 home policies in force on August 31, 2026.

ZIP code 77082 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $896 and $1,269. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone AE (66%).

$0$896 · $1,084 · $1,269$1,586
+9.3% vs Aug 31, 2025 (median $992)
2,237home policies in force
$1,155average cost (mean)
66%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 77082

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		$1,090$879–$1,434$1,2001,481 (66%)+7.9%
Zone X
Moderate to low risk		$1,084$935–$1,232$1,068754 (34%)+12.9%

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 77082, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,156$1,086$1,170
2–4 unit building22$1,085$1,040
Condo or apartment unit59$697$659
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.		201$2,574$3,060
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		90$2,712$2,712

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

2,528NFIP policies in force, any building
2,632insured units (condo association policies count every unit)
80%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: ZIP code 77082

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 force2,4712,237−9.5%
Median annual cost$992$1,084+9.3%
Average annual cost$1,063$1,155+8.7%
All policies in force (any building)2,7612,528−8.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77082 have filed 1,034 flood claims. 607 received a payment, for a total of $7,601,225 (an average of $12,523 per paid claim). The year with the most claims was 2017 (215 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801989: 22 claims19901992: 125 claims, 102 paid, $1,137,563 in total19921994: 19 claims, 12 paid, $36,929 in total1997: 25 claims, 18 paid, $83,437 in total1998: 34 claims, 17 paid, $152,101 in total1999: 23 claims, 17 paid, $63,738 in total20002001: 39 claims, 21 paid, $419,409 in total2002: 27 claims, 17 paid, $116,798 in total2003: 29 claims, 25 paid, $123,034 in total2008: 97 claims, 34 paid, $261,856 in total2009: 127 claims, 107 paid, $2,136,743 in total200920102015: 52 claims, 29 paid, $304,660 in total2016: 44 claims, 30 paid, $379,161 in total2017: 215 claims, 107 paid, $1,939,393 in total20172019: 13 claims20202024: 16 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202416<10––
201913<10––
2017215107$1,939,393$18,125
20164430$379,161$12,639
20155229$304,660$10,506
2009127107$2,136,743$19,970
20089734$261,856$7,702
20032925$123,034$4,921
20022717$116,798$6,870
20013921$419,409$19,972
19992317$63,738$3,749
19983417$152,101$8,947
19972518$83,437$4,635
19941912$36,929$3,077
1992125102$1,137,563$11,153
198922<10––

From 2016 to 2026: 288 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 (1,739 home policies) · Unincorporated Harris County (496 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.