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Flood insurance cost · ZIP 77304 · TX

Flood insurance cost in ZIP 77304 (Conroe, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,057 home policies in force on August 31, 2026.

ZIP code 77304 (Conroe, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$717a year

Half of insured homes paid between $568 and $1,030. That is 30% less than the Montgomery County median ($1,019). Most insured homes here are rated in zone X (84%).

$0$568 · $717 · $1,030$1,288
+2.9% vs Aug 31, 2025 (median $697)
1,057home policies in force
$820average cost (mean)
16%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 77304

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		$1,054$776–$1,473$1,179157 (15%)+2.9%
Zone A
High risk		$1,484$1,126–$1,663$1,42610 (1%)+9.4%
Zone X
Moderate to low risk		$680$540–$934$750890 (84%)+2.1%

Not shown (fewer than 10 home policies): VE, 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 77304, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,040$717$822
Condo or apartment unit13$584$578
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.		14$1,524$1,936
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		74$1,636$1,999

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

1,145NFIP policies in force, any building
1,145insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77304

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 force1,1481,057−7.9%
Median annual cost$697$717+2.9%
Average annual cost$777$820+5.5%
All policies in force (any building)1,2371,145−7.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77304 have filed 475 flood claims. 406 received a payment, for a total of $20.7 million (an average of $50,963 per paid claim). The year with the most claims was 2016 (82 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001979: 18 claims, 17 paid, $227,396 in total198019901994: 51 claims, 46 paid, $1,863,652 in total1998: 56 claims, 51 paid, $2,194,847 in total199820002001: 38 claims, 36 paid, $689,890 in total2002: 27 claims, 25 paid, $842,081 in total2006: 12 claims, 12 paid, $279,687 in total20102015: 19 claims, 15 paid, $358,341 in total2016: 82 claims, 67 paid, $4,044,874 in total20162017: 62 claims, 48 paid, $5,383,627 in total20172019: 14 claims, 14 paid, $769,374 in total20202024: 30 claims, 27 paid, $3,568,529 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 (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243027$3,568,529$132,168
20191414$769,374$54,955
20176248$5,383,627$112,159
20168267$4,044,874$60,371
20151915$358,341$23,889
20061212$279,687$23,307
20022725$842,081$33,683
20013836$689,890$19,164
19985651$2,194,847$43,036
19945146$1,863,652$40,514
19791817$227,396$13,376

From 2016 to 2026: 188 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

Conroe (813 home policies) · Unincorporated Montgomery County (174 home policies) · Panorama Village (70 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.