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Flood insurance cost · ZIP 77088 · TX

Flood insurance cost in ZIP 77088 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,527 home policies in force on August 31, 2026.

ZIP code 77088 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,256a year

Half of insured homes paid between $1,056 and $1,580. That is 15% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (62%).

$0$1,056 · $1,256 · $1,580$1,975
+16.3% vs Aug 31, 2025 (median $1,080)
1,527home policies in force
$1,350average cost (mean)
38%of insured homes in high-risk zones (A, V)
$222,000median 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 77088

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		$1,652$1,234–$2,087$1,677585 (38%)+4.1%
Zone X
Moderate to low risk		$1,142$1,013–$1,265$1,146942 (62%)+12.5%

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 77088, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,508$1,259$1,355
Condo or apartment unit12$794$782
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.		45$1,319$1,551
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		25$2,945$3,391

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

1,597NFIP policies in force, any building
1,597insured units (condo association policies count every unit)
88%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 77088

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 force1,7041,527−10.4%
Median annual cost$1,080$1,256+16.3%
Average annual cost$1,220$1,350+10.7%
All policies in force (any building)1,7761,597−10.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77088 have filed 4,663 flood claims. 4,156 received a payment, for a total of $175.0 million (an average of $42,100 per paid claim). The year with the most claims was 2001 (1,315 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801981: 252 claims, 235 paid, $3,609,579 in total1983: 20 claims, 12 paid, $30,548 in total1984: 20 claims, 17 paid, $61,263 in total1989: 334 claims, 289 paid, $3,681,322 in total19901992: 356 claims, 338 paid, $10,987,491 in total1994: 11 claims1997: 23 claims, 17 paid, $67,926 in total1998: 148 claims, 128 paid, $2,592,197 in total20002001: 1,315 claims, 1,251 paid, $61,535,019 in total20012002: 392 claims, 370 paid, $12,361,117 in total2003: 151 claims, 133 paid, $3,052,527 in total2004: 10 claims2006: 59 claims, 53 paid, $973,994 in total2007: 21 claims, 11 paid, $44,296 in total2008: 183 claims, 106 paid, $1,555,016 in total20102015: 18 claims, 11 paid, $168,173 in total2016: 463 claims, 432 paid, $29,296,330 in total20162017: 703 claims, 625 paid, $42,386,725 in total20172019: 53 claims, 48 paid, $1,504,530 in total20202021: 10 claims2024: 36 claims, 21 paid, $583,290 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243621$583,290$27,776
202110<10––
20195348$1,504,530$31,344
2017703625$42,386,725$67,819
2016463432$29,296,330$67,816
20151811$168,173$15,288
2008183106$1,555,016$14,670
20072111$44,296$4,027
20065953$973,994$18,377
200410<10––
2003151133$3,052,527$22,951
2002392370$12,361,117$33,408
20011,3151,251$61,535,019$49,189
1998148128$2,592,197$20,252
19972317$67,926$3,996
199411<10––
1992356338$10,987,491$32,507
1989334289$3,681,322$12,738
19842017$61,263$3,604
19832012$30,548$2,546
1981252235$3,609,579$15,360

From 2016 to 2026: 1,265 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 (1,265 home policies) · Unincorporated Harris County (262 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.