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Flood insurance cost · ZIP 77365 · TX

Flood insurance cost in ZIP 77365 (unincorporated Montgomery County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,264 home policies in force on August 31, 2026.

ZIP code 77365 (unincorporated Montgomery County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,035a year

Half of insured homes paid between $735 and $1,258. That is about the same as the Montgomery County median ($1,019). Most insured homes here are rated in zone X (96%).

$0$735 · $1,035 · $1,258$1,572
+11.4% vs Aug 31, 2025 (median $929)
2,264home policies in force
$1,009average cost (mean)
4%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 77365

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		$1,385$991–$1,994$1,54379 (3%)+10.7%
Zone A
High risk		$1,187$1,074–$1,680$1,32414 (1%)+10.8%
Zone X
Moderate to low risk		$1,012$729–$1,238$9872,171 (96%)+8.9%

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 77365, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,247$1,041$1,010
Manufactured (mobile) home10$824$902
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		85$2,049$2,825

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

2,350NFIP policies in force, any building
2,350insured units (condo association policies count every unit)
98%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77365

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 force2,5522,264−11.3%
Median annual cost$929$1,035+11.4%
Average annual cost$925$1,009+9.1%
All policies in force (any building)2,6422,350−11.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77365 have filed 1,410 flood claims. 1,264 received a payment, for a total of $66.4 million (an average of $52,558 per paid claim). The year with the most claims was 2019 (517 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 37 claims, 33 paid, $343,024 in total19801981: 16 claims, 16 paid, $84,790 in total1983: 29 claims, 23 paid, $170,363 in total1989: 57 claims, 49 paid, $770,662 in total19901991: 10 claims1992: 12 claims1994: 60 claims, 58 paid, $2,549,352 in total1997: 17 claims, 15 paid, $162,877 in total1998: 72 claims, 66 paid, $1,750,077 in total20002001: 19 claims, 14 paid, $331,744 in total2002: 41 claims, 38 paid, $835,993 in total2003: 36 claims, 31 paid, $476,647 in total2006: 11 claims, 10 paid, $191,486 in total2007: 14 claims, 13 paid, $199,166 in total2008: 54 claims, 43 paid, $1,184,902 in total2009: 10 claims20102014: 21 claims, 18 paid, $677,953 in total2015: 13 claims2016: 110 claims, 96 paid, $4,148,214 in total20162017: 136 claims, 120 paid, $10,963,880 in total20172019: 517 claims, 495 paid, $37,726,348 in total201920202024: 47 claims, 39 paid, $2,534,358 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
20244739$2,534,358$64,984
2019517495$37,726,348$76,215
2017136120$10,963,880$91,366
201611096$4,148,214$43,211
201513<10––
20142118$677,953$37,664
200910<10––
20085443$1,184,902$27,556
20071413$199,166$15,320
20061110$191,486$19,149
20033631$476,647$15,376
20024138$835,993$22,000
20011914$331,744$23,696
19987266$1,750,077$26,516
19971715$162,877$10,858
19946058$2,549,352$43,954
199212<10––
199110<10––
19895749$770,662$15,728
19832923$170,363$7,407
19811616$84,790$5,299
19793733$343,024$10,395

From 2016 to 2026: 810 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 (1,973 home policies) · Houston (290 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.