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Flood insurance cost · ZIP 77092 · TX

Flood insurance cost in ZIP 77092 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,458 home policies in force on August 31, 2026.

ZIP code 77092 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,263a year

Half of insured homes paid between $1,081 and $1,647. That is 16% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (51%).

$0$1,081 · $1,263 · $1,647$2,059
+16.8% vs Aug 31, 2025 (median $1,081)
1,458home policies in force
$1,407average cost (mean)
49%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 77092

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		$1,548$1,119–$1,961$1,582713 (49%)+6.6%
Zone X
Moderate to low risk		$1,251$1,081–$1,264$1,239745 (51%)+16.3%

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 77092, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,319$1,264$1,462
2–4 unit building37$1,068$1,148
Condo or apartment unit102$782$781
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.		207$2,770$3,569
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		113$3,632$3,701

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

1,778NFIP policies in force, any building
1,974insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77092

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 force1,5921,458−8.4%
Median annual cost$1,081$1,263+16.8%
Average annual cost$1,274$1,407+10.4%
All policies in force (any building)1,9341,778−8.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77092 have filed 875 flood claims. 685 received a payment, for a total of $36.7 million (an average of $53,554 per paid claim). The year with the most claims was 2017 (272 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 10 claims1980: 11 claims19801983: 17 claims, 10 paid, $49,530 in total19901992: 19 claims, 16 paid, $189,735 in total20002001: 204 claims, 183 paid, $7,842,498 in total20012003: 24 claims, 23 paid, $609,202 in total2008: 90 claims, 60 paid, $2,123,955 in total20082009: 10 claims20102015: 60 claims, 51 paid, $2,053,877 in total2016: 15 claims, 11 paid, $232,606 in total2017: 272 claims, 218 paid, $20,068,204 in total20172019: 49 claims, 46 paid, $2,268,158 in total20202024: 27 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202427<10––
20194946$2,268,158$49,308
2017272218$20,068,204$92,056
20161511$232,606$21,146
20156051$2,053,877$40,272
200910<10––
20089060$2,123,955$35,399
20032423$609,202$26,487
2001204183$7,842,498$42,855
19921916$189,735$11,858
19831710$49,530$4,953
198011<10––
197910<10––

From 2016 to 2026: 363 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 (1,457 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.