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Flood insurance cost · ZIP 77096 · TX

Flood insurance cost in ZIP 77096 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,537 home policies in force on August 31, 2026.

ZIP code 77096 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,822a year

Half of insured homes paid between $1,258 and $2,563. That is 67% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (79%).

$0$1,258 · $1,822 · $2,563$3,204
+12.3% vs Aug 31, 2025 (median $1,622)
4,537home policies in force
$1,949average cost (mean)
79%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 77096

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		$2,071$1,441–$2,756$2,1263,568 (79%)+8.7%
Zone X
Moderate to low risk		$1,259$1,084–$1,264$1,295969 (21%)+16.7%

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 77096, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,503$1,833$1,958
Condo or apartment unit32$673$674
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.		62$5,226$5,044
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		165$3,274$3,774

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

4,764NFIP policies in force, any building
5,014insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77096

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 force4,8084,537−5.6%
Median annual cost$1,622$1,822+12.3%
Average annual cost$1,779$1,949+9.6%
All policies in force (any building)5,0684,764−6.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77096 have filed 6,482 flood claims. 5,552 received a payment, for a total of $694.7 million (an average of $125,133 per paid claim). The year with the most claims was 2017 (2,550 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 75 claims, 63 paid, $295,082 in total19801981: 90 claims, 63 paid, $335,258 in total1983: 450 claims, 378 paid, $17,545,732 in total1987: 11 claims1989: 49 claims, 29 paid, $58,310 in total19901991: 22 claims, 12 paid, $39,674 in total1992: 33 claims, 21 paid, $511,449 in total1994: 276 claims, 236 paid, $8,282,962 in total1996: 16 claims1997: 40 claims, 30 paid, $129,096 in total1998: 31 claims, 22 paid, $109,641 in total20002001: 668 claims, 586 paid, $40,564,220 in total20012002: 17 claims2003: 131 claims, 111 paid, $5,642,066 in total2005: 13 claims2007: 12 claims2008: 132 claims, 44 paid, $429,941 in total2009: 28 claims, 23 paid, $232,440 in total20102012: 104 claims, 77 paid, $2,750,773 in total2013: 18 claims, 12 paid, $194,979 in total2015: 1,134 claims, 1,014 paid, $160,521,357 in total20152016: 442 claims, 390 paid, $33,702,160 in total2017: 2,550 claims, 2,346 paid, $422,405,409 in total20172019: 11 claims20202024: 20 claims, 13 paid, $302,063 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242013$302,063$23,236
201911<10––
20172,5502,346$422,405,409$180,053
2016442390$33,702,160$86,416
20151,1341,014$160,521,357$158,305
20131812$194,979$16,248
201210477$2,750,773$35,724
20092823$232,440$10,106
200813244$429,941$9,771
200712<10––
200513<10––
2003131111$5,642,066$50,829
200217<10––
2001668586$40,564,220$69,222
19983122$109,641$4,984
19974030$129,096$4,303
199616<10––
1994276236$8,282,962$35,097
19923321$511,449$24,355
19912212$39,674$3,306
19894929$58,310$2,011
198711<10––
1983450378$17,545,732$46,417
19819063$335,258$5,322
19797563$295,082$4,684

From 2016 to 2026: 3,023 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 (4,514 home policies) · Bellaire (21 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.