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Flood insurance cost · ZIP 77339 · TX

Flood insurance cost in ZIP 77339 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,591 home policies in force on August 31, 2026.

ZIP code 77339 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$916a year

Half of insured homes paid between $743 and $1,090. That is 16% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (77%).

$0$743 · $916 · $1,090$1,362
+2.9% vs Aug 31, 2025 (median $890)
3,591home policies in force
$949average cost (mean)
23%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 77339

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		$814$722–$1,072$952819 (23%)+2.9%
Zone X
Moderate to low risk		$949$754–$1,095$9482,769 (77%)+3.4%

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 77339, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,549$918$955
Condo or apartment unit41$392$456
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.		41$1,802$1,990
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		179$1,941$2,504

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

3,811NFIP policies in force, any building
3,811insured 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 77339

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 force3,9493,591−9.1%
Median annual cost$890$916+2.9%
Average annual cost$892$949+6.4%
All policies in force (any building)4,1863,811−9.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77339 have filed 3,219 flood claims. 2,884 received a payment, for a total of $328.0 million (an average of $113,741 per paid claim). The year with the most claims was 2017 (860 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 17 claims, 16 paid, $44,878 in total1979: 110 claims, 99 paid, $1,234,889 in total19801981: 36 claims, 34 paid, $127,141 in total1982: 13 claims1983: 104 claims, 91 paid, $993,972 in total1985: 47 claims, 42 paid, $572,095 in total1989: 161 claims, 128 paid, $2,735,919 in total19901991: 11 claims1992: 28 claims, 21 paid, $176,329 in total1993: 52 claims, 49 paid, $1,128,303 in total1994: 274 claims, 247 paid, $16,021,379 in total19941998: 152 claims, 134 paid, $3,368,213 in total20002001: 114 claims, 86 paid, $1,939,455 in total2002: 77 claims, 68 paid, $1,502,440 in total2003: 10 claims2008: 36 claims, 19 paid, $890,931 in total2009: 18 claims, 16 paid, $285,136 in total20102015: 22 claims, 16 paid, $738,045 in total2016: 184 claims, 157 paid, $7,465,752 in total2017: 860 claims, 820 paid, $226,807,738 in total20172019: 766 claims, 729 paid, $58,447,683 in total201920202024: 50 claims, 36 paid, $2,298,366 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20245036$2,298,366$63,844
2019766729$58,447,683$80,175
2017860820$226,807,738$276,595
2016184157$7,465,752$47,553
20152216$738,045$46,128
20091816$285,136$17,821
20083619$890,931$46,891
200310<10––
20027768$1,502,440$22,095
200111486$1,939,455$22,552
1998152134$3,368,213$25,136
1994274247$16,021,379$64,864
19935249$1,128,303$23,027
19922821$176,329$8,397
199111<10––
1989161128$2,735,919$21,374
19854742$572,095$13,621
198310491$993,972$10,923
198213<10––
19813634$127,141$3,739
197911099$1,234,889$12,474
19781716$44,878$2,805

From 2016 to 2026: 1,860 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 (3,274 home policies) · Unincorporated Montgomery County (219 home policies) · Unincorporated Harris County (96 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.