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Flood insurance cost · ZIP 77357 · TX

Flood insurance cost in ZIP 77357 (unincorporated Montgomery County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,063 home policies in force on August 31, 2026.

ZIP code 77357 (unincorporated Montgomery County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $788 and $1,269. That is 7% more than the Montgomery County median ($1,019). Most insured homes here are rated in zone X (78%).

$0$788 · $1,086 · $1,269$1,586
+13.6% vs Aug 31, 2025 (median $956)
1,063home policies in force
$1,189average cost (mean)
22%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 77357

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		$1,624$1,196–$2,106$1,763236 (22%)+9.0%
Zone X
Moderate to low risk		$1,071$730–$1,260$1,023824 (78%)+15.0%

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 77357, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,013$1,086$1,183
Manufactured (mobile) home47$1,055$1,332
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		44$2,607$2,822

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

1,107NFIP policies in force, any building
1,107insured units (condo association policies count every unit)
94%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77357

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 force1,2321,063−13.7%
Median annual cost$956$1,086+13.6%
Average annual cost$1,092$1,189+8.9%
All policies in force (any building)1,2931,107−14.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77357 have filed 1,622 flood claims. 1,475 received a payment, for a total of $81.7 million (an average of $55,387 per paid claim). The year with the most claims was 2019 (389 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 74 claims, 70 paid, $1,166,210 in total19801983: 61 claims, 54 paid, $818,918 in total1986: 12 claims, 11 paid, $194,484 in total1989: 117 claims, 110 paid, $3,062,820 in total19901993: 20 claims, 16 paid, $306,482 in total1994: 185 claims, 176 paid, $9,392,708 in total19941997: 14 claims, 13 paid, $166,102 in total1998: 142 claims, 130 paid, $3,656,041 in total20002001: 59 claims, 51 paid, $2,374,542 in total2003: 12 claims, 11 paid, $194,324 in total2008: 29 claims, 19 paid, $752,005 in total20102014: 21 claims, 18 paid, $425,560 in total2016: 111 claims, 100 paid, $4,657,090 in total2017: 211 claims, 194 paid, $19,220,999 in total20172019: 389 claims, 362 paid, $29,022,291 in total201920202023: 12 claims, 10 paid, $268,222 in total2024: 88 claims, 81 paid, $5,352,501 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20248881$5,352,501$66,080
20231210$268,222$26,822
2019389362$29,022,291$80,172
2017211194$19,220,999$99,077
2016111100$4,657,090$46,571
20142118$425,560$23,642
20082919$752,005$39,579
20031211$194,324$17,666
20015951$2,374,542$46,560
1998142130$3,656,041$28,123
19971413$166,102$12,777
1994185176$9,392,708$53,368
19932016$306,482$19,155
1989117110$3,062,820$27,844
19861211$194,484$17,680
19836154$818,918$15,165
19797470$1,166,210$16,660

From 2016 to 2026: 811 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 Montgomery County (779 home policies) · Roman Forest (134 home policies) · Woodbranch (114 home policies) · Unincorporated Harris County (32 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.