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Flood insurance cost · ZIP 77373 · TX

Flood insurance cost in ZIP 77373 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,820 home policies in force on August 31, 2026.

ZIP code 77373 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$818a year

Half of insured homes paid between $645 and $1,086. That is 25% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (87%).

$0$645 · $818 · $1,086$1,358
+3.9% vs Aug 31, 2025 (median $787)
1,820home policies in force
$890average cost (mean)
13%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 77373

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		$1,196$862–$1,482$1,237236 (13%)+9.1%
Zone X
Moderate to low risk		$784$633–$1,050$8371,575 (87%)+3.3%

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 77373, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,805$817$891
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.		20$2,081$2,144
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		56$1,664$1,918

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

1,896NFIP policies in force, any building
1,896insured 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 77373

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 force2,1051,820−13.5%
Median annual cost$787$818+3.9%
Average annual cost$831$890+7.1%
All policies in force (any building)2,1771,896−12.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77373 have filed 1,122 flood claims. 947 received a payment, for a total of $77.2 million (an average of $81,543 per paid claim). The year with the most claims was 2017 (422 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 38 claims, 35 paid, $188,210 in total19801981: 42 claims, 37 paid, $150,540 in total1983: 36 claims, 25 paid, $75,352 in total1984: 25 claims, 21 paid, $175,598 in total1987: 18 claims, 17 paid, $68,157 in total1989: 46 claims, 40 paid, $799,216 in total19901994: 23 claims, 20 paid, $824,138 in total1998: 19 claims, 17 paid, $209,221 in total20002001: 74 claims, 67 paid, $2,272,432 in total2003: 22 claims, 16 paid, $249,888 in total2006: 11 claims, 11 paid, $159,771 in total2008: 54 claims, 26 paid, $534,237 in total20102015: 19 claims, 15 paid, $443,561 in total2016: 100 claims, 87 paid, $3,087,363 in total20162017: 422 claims, 378 paid, $63,994,255 in total20172019: 82 claims, 74 paid, $3,124,107 in total201920202024: 13 claims
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
202413<10––
20198274$3,124,107$42,218
2017422378$63,994,255$169,297
201610087$3,087,363$35,487
20151915$443,561$29,571
20085426$534,237$20,548
20061111$159,771$14,525
20032216$249,888$15,618
20017467$2,272,432$33,917
19981917$209,221$12,307
19942320$824,138$41,207
19894640$799,216$19,980
19871817$68,157$4,009
19842521$175,598$8,362
19833625$75,352$3,014
19814237$150,540$4,069
19793835$188,210$5,377

From 2016 to 2026: 617 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 (1,819 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.