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Flood insurance cost · ZIP 77379 · TX

Flood insurance cost in ZIP 77379 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,972 home policies in force on August 31, 2026.

ZIP code 77379 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,020a year

Half of insured homes paid between $736 and $1,261. That is 6% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (95%).

$0$736 · $1,020 · $1,261$1,576
+9.8% vs Aug 31, 2025 (median $929)
3,972home policies in force
$1,002average cost (mean)
5%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 77379

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		$1,364$1,044–$1,755$1,434200 (5%)+10.7%
Zone X
Moderate to low risk		$982$732–$1,248$9803,766 (95%)+6.0%

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 77379, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,883$1,041$1,010
Condo or apartment unit77$588$616
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.		16$3,996$4,518
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		128$1,898$2,375

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

4,116NFIP policies in force, any building
4,161insured 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 77379

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 force4,5413,972−12.5%
Median annual cost$929$1,020+9.8%
Average annual cost$918$1,002+9.2%
All policies in force (any building)4,6864,116−12.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77379 have filed 1,393 flood claims. 1,100 received a payment, for a total of $147.3 million (an average of $133,947 per paid claim). The year with the most claims was 2017 (588 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 11 claims19801981: 14 claims1982: 14 claims, 14 paid, $111,910 in total1983: 18 claims, 11 paid, $73,494 in total1984: 26 claims, 24 paid, $195,000 in total1989: 48 claims, 38 paid, $457,951 in total19901992: 19 claims, 12 paid, $178,747 in total1994: 15 claims1998: 48 claims, 41 paid, $1,079,684 in total20002001: 174 claims, 133 paid, $4,753,844 in total20012006: 17 claims, 14 paid, $142,540 in total2008: 91 claims, 38 paid, $610,321 in total2009: 10 claims20102015: 18 claims, 10 paid, $190,670 in total2016: 167 claims, 141 paid, $11,973,336 in total20162017: 588 claims, 535 paid, $126,638,600 in total201720202024: 12 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
202412<10––
2017588535$126,638,600$236,708
2016167141$11,973,336$84,917
20151810$190,670$19,067
200910<10––
20089138$610,321$16,061
20061714$142,540$10,181
2001174133$4,753,844$35,743
19984841$1,079,684$26,334
199415<10––
19921912$178,747$14,896
19894838$457,951$12,051
19842624$195,000$8,125
19831811$73,494$6,681
19821414$111,910$7,994
198114<10––
197911<10––

From 2016 to 2026: 767 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 (3,933 home policies) · Houston (38 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.