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Flood insurance cost · ZIP 77338 · TX

Flood insurance cost in ZIP 77338 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 872 home policies in force on August 31, 2026.

ZIP code 77338 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$868a year

Half of insured homes paid between $687 and $1,115. That is 20% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (89%).

$0$687 · $868 · $1,115$1,394
+3.6% vs Aug 31, 2025 (median $838)
872home policies in force
$929average cost (mean)
11%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 77338

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		$1,220$804–$1,584$1,29395 (11%)+7.8%
Zone X
Moderate to low risk		$847$683–$1,086$885777 (89%)+3.5%

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 77338, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home846$866$932
2–4 unit building11$1,019$1,034
Condo or apartment unit10$401$473
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		136$2,550$3,114

Not shown (fewer than 10 policies): manufactured (mobile) home, whole residential building (5+ units or condo association).

1,015NFIP policies in force, any building
1,015insured 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 77338

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 force1,007872−13.4%
Median annual cost$838$868+3.6%
Average annual cost$868$929+7.0%
All policies in force (any building)1,1621,015−12.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77338 have filed 1,511 flood claims. 1,333 received a payment, for a total of $97.7 million (an average of $73,311 per paid claim). The year with the most claims was 2017 (341 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 46 claims, 42 paid, $442,928 in total19801981: 25 claims, 21 paid, $120,627 in total1983: 64 claims, 55 paid, $684,676 in total1984: 20 claims, 18 paid, $518,727 in total1985: 31 claims, 27 paid, $265,798 in total1989: 95 claims, 78 paid, $1,585,528 in total19901991: 30 claims, 29 paid, $497,318 in total1992: 54 claims, 48 paid, $584,982 in total1993: 51 claims, 49 paid, $1,070,442 in total1994: 145 claims, 133 paid, $7,925,771 in total19941998: 111 claims, 107 paid, $3,255,640 in total199820002001: 105 claims, 90 paid, $4,181,092 in total2002: 84 claims, 75 paid, $2,557,989 in total2003: 17 claims, 15 paid, $252,868 in total2008: 47 claims, 28 paid, $980,341 in total2009: 19 claims, 17 paid, $455,862 in total20102016: 79 claims, 66 paid, $4,782,578 in total2017: 341 claims, 310 paid, $62,375,778 in total20172019: 65 claims, 61 paid, $3,787,292 in total20202024: 14 claims, 11 paid, $285,985 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241411$285,985$25,999
20196561$3,787,292$62,087
2017341310$62,375,778$201,212
20167966$4,782,578$72,463
20091917$455,862$26,815
20084728$980,341$35,012
20031715$252,868$16,858
20028475$2,557,989$34,107
200110590$4,181,092$46,457
1998111107$3,255,640$30,427
1994145133$7,925,771$59,592
19935149$1,070,442$21,846
19925448$584,982$12,187
19913029$497,318$17,149
19899578$1,585,528$20,327
19853127$265,798$9,844
19842018$518,727$28,818
19836455$684,676$12,449
19812521$120,627$5,744
19794642$442,928$10,546

From 2016 to 2026: 499 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 (539 home policies) · Humble (296 home policies) · Houston (37 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.