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Flood insurance cost · ZIP 77336 · TX

Flood insurance cost in ZIP 77336 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 821 home policies in force on August 31, 2026.

ZIP code 77336 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$987a year

Half of insured homes paid between $784 and $1,187. That is 9% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (75%).

$0$784 · $987 · $1,187$1,484
+6.2% vs Aug 31, 2025 (median $929)
821home policies in force
$1,052average cost (mean)
25%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 77336

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		$1,066$806–$1,383$1,259204 (25%)+9.7%
Zone X
Moderate to low risk		$965$782–$1,130$983616 (75%)+4.0%

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 77336, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home806$986$1,053
Manufactured (mobile) home13$1,007$924
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		33$1,528$1,711

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

854NFIP policies in force, any building
854insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77336

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 force890821−7.8%
Median annual cost$929$987+6.2%
Average annual cost$966$1,052+8.9%
All policies in force (any building)922854−7.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77336 have filed 898 flood claims. 792 received a payment, for a total of $54.0 million (an average of $68,188 per paid claim). The year with the most claims was 2017 (245 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 14 claims, 13 paid, $47,564 in total19801981: 14 claims, 12 paid, $71,367 in total1983: 17 claims, 15 paid, $56,719 in total1989: 38 claims, 36 paid, $520,995 in total19901992: 13 claims, 13 paid, $207,833 in total1994: 60 claims, 60 paid, $2,319,663 in total19941998: 54 claims, 50 paid, $775,587 in total20002001: 17 claims, 12 paid, $112,460 in total2002: 51 claims, 47 paid, $982,420 in total2006: 40 claims, 39 paid, $1,335,060 in total2008: 47 claims, 36 paid, $807,638 in total20102016: 34 claims, 27 paid, $949,311 in total2017: 245 claims, 211 paid, $30,490,857 in total20172019: 172 claims, 159 paid, $12,904,481 in total201920202024: 40 claims, 35 paid, $2,039,268 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244035$2,039,268$58,265
2019172159$12,904,481$81,160
2017245211$30,490,857$144,506
20163427$949,311$35,160
20084736$807,638$22,434
20064039$1,335,060$34,232
20025147$982,420$20,903
20011712$112,460$9,372
19985450$775,587$15,512
19946060$2,319,663$38,661
19921313$207,833$15,987
19893836$520,995$14,472
19831715$56,719$3,781
19811412$71,367$5,947
19791413$47,564$3,659

From 2016 to 2026: 491 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 (549 home policies) · Houston (270 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.