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Flood insurance cost · ZIP 77089 · TX

Flood insurance cost in ZIP 77089 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,126 home policies in force on August 31, 2026.

ZIP code 77089 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,064a year

Half of insured homes paid between $863 and $1,253. That is 2% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (58%).

$0$863 · $1,064 · $1,253$1,566
+12.7% vs Aug 31, 2025 (median $944)
4,126home policies in force
$1,055average cost (mean)
42%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 77089

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		$953$821–$1,132$1,0181,722 (42%)+4.0%
Zone X
Moderate to low risk		$1,087$932–$1,265$1,0832,404 (58%)+11.0%

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 77089, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,096$1,068$1,058
Condo or apartment unit28$620$612
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.		90$1,548$1,997
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		127$1,981$2,425

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

4,343NFIP policies in force, any building
4,343insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77089

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 force4,5064,126−8.4%
Median annual cost$944$1,064+12.7%
Average annual cost$974$1,055+8.3%
All policies in force (any building)4,7274,343−8.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77089 have filed 6,744 flood claims. 5,763 received a payment, for a total of $249.9 million (an average of $43,370 per paid claim). The year with the most claims was 2017 (2,246 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 1,247 claims, 1,151 paid, $12,404,179 in total19791980: 11 claims19801981: 436 claims, 368 paid, $2,004,512 in total1982: 30 claims, 17 paid, $44,431 in total1983: 211 claims, 125 paid, $558,122 in total1985: 66 claims, 40 paid, $132,753 in total1989: 260 claims, 139 paid, $785,900 in total19901993: 22 claims, 20 paid, $198,462 in total1994: 76 claims, 63 paid, $392,868 in total1997: 49 claims, 40 paid, $369,194 in total1998: 76 claims, 63 paid, $476,298 in total20002001: 1,202 claims, 1,098 paid, $36,809,958 in total20012002: 12 claims2006: 88 claims, 74 paid, $1,235,592 in total2007: 33 claims, 28 paid, $181,369 in total2008: 264 claims, 111 paid, $1,020,090 in total2009: 228 claims, 204 paid, $3,840,175 in total2010: 10 claims20102012: 10 claims2015: 35 claims, 28 paid, $218,499 in total2017: 2,246 claims, 2,115 paid, $188,540,715 in total20172019: 16 claims2020: 17 claims, 12 paid, $161,978 in total20202024: 19 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 (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202419<10––
20201712$161,978$13,498
201916<10––
20172,2462,115$188,540,715$89,145
20153528$218,499$7,804
201210<10––
201010<10––
2009228204$3,840,175$18,824
2008264111$1,020,090$9,190
20073328$181,369$6,477
20068874$1,235,592$16,697
200212<10––
20011,2021,098$36,809,958$33,525
19987663$476,298$7,560
19974940$369,194$9,230
19947663$392,868$6,236
19932220$198,462$9,923
1989260139$785,900$5,654
19856640$132,753$3,319
1983211125$558,122$4,465
19823017$44,431$2,614
1981436368$2,004,512$5,447
198011<10––
19791,2471,151$12,404,179$10,777

From 2016 to 2026: 2,298 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

Unincorporated Harris County (2,070 home policies) · Houston (1,797 home policies) · Pearland (257 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.