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Flood insurance cost · ZIP 77087 · TX

Flood insurance cost in ZIP 77087 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 554 home policies in force on August 31, 2026.

ZIP code 77087 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$886a year

Half of insured homes paid between $683 and $1,095. That is 19% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (70%).

$0$683 · $886 · $1,095$1,369
+7.0% vs Aug 31, 2025 (median $828)
554home policies in force
$897average cost (mean)
30%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 77087

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		$642$558–$754$670164 (30%)+3.5%
Zone X
Moderate to low risk		$1,036$820–$1,158$993390 (70%)+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 77087, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home549$887$899
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		77$1,527$1,957

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).

639NFIP policies in force, any building
639insured units (condo association policies count every unit)
87%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 77087

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 force637554−13.0%
Median annual cost$828$886+7.0%
Average annual cost$835$897+7.4%
All policies in force (any building)765639−16.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77087 have filed 1,099 flood claims. 783 received a payment, for a total of $19.7 million (an average of $25,153 per paid claim). The year with the most claims was 2017 (169 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 144 claims, 110 paid, $1,045,454 in total197919801981: 112 claims, 86 paid, $859,017 in total1983: 98 claims, 70 paid, $951,453 in total1985: 43 claims, 32 paid, $570,135 in total1989: 21 claims, 11 paid, $237,667 in total19901994: 29 claims, 19 paid, $533,859 in total1998: 14 claims, 12 paid, $35,601 in total20002001: 98 claims, 79 paid, $1,439,327 in total2006: 139 claims, 131 paid, $5,964,303 in total20062008: 101 claims, 31 paid, $496,582 in total20102012: 10 claims2015: 42 claims, 39 paid, $1,022,308 in total2017: 169 claims, 115 paid, $5,677,858 in total20172020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2017169115$5,677,858$49,373
20154239$1,022,308$26,213
201210<10––
200810131$496,582$16,019
2006139131$5,964,303$45,529
20019879$1,439,327$18,219
19981412$35,601$2,967
19942919$533,859$28,098
19892111$237,667$21,606
19854332$570,135$17,817
19839870$951,453$13,592
198111286$859,017$9,989
1979144110$1,045,454$9,504

From 2016 to 2026: 169 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 (553 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.