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Flood insurance cost · ZIP 77380 · TX

Flood insurance cost in ZIP 77380 (unincorporated Montgomery County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 917 home policies in force on August 31, 2026.

ZIP code 77380 (unincorporated Montgomery County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,207a year

Half of insured homes paid between $1,041 and $1,273. That is 18% more than the Montgomery County median ($1,019). Most insured homes here are rated in zone X (83%).

$0$1,041 · $1,207 · $1,273$1,591
+14.3% vs Aug 31, 2025 (median $1,056)
917home policies in force
$1,278average cost (mean)
17%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 77380

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		$1,655$1,330–$2,033$1,799160 (17%)+17.0%
Zone X
Moderate to low risk		$1,115$998–$1,264$1,168757 (83%)+9.5%

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 77380, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home893$1,215$1,291
Condo or apartment unit23$774$774
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		85$1,899$2,386

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

1,003NFIP policies in force, any building
1,003insured 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 77380

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 force1,043917−12.1%
Median annual cost$1,056$1,207+14.3%
Average annual cost$1,146$1,278+11.5%
All policies in force (any building)1,1351,003−11.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77380 have filed 1,357 flood claims. 1,206 received a payment, for a total of $76.1 million (an average of $63,135 per paid claim). The year with the most claims was 2017 (333 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 69 claims, 66 paid, $542,536 in total19801981: 35 claims, 30 paid, $131,338 in total1983: 15 claims, 12 paid, $116,818 in total1985: 28 claims, 25 paid, $449,570 in total1987: 36 claims, 30 paid, $160,802 in total1989: 36 claims, 29 paid, $353,722 in total19901994: 103 claims, 98 paid, $5,088,276 in total19941998: 95 claims, 84 paid, $1,592,379 in total20002001: 98 claims, 88 paid, $4,273,587 in total2006: 15 claims, 15 paid, $222,861 in total2008: 66 claims, 55 paid, $3,533,548 in total20102012: 57 claims, 54 paid, $1,938,699 in total2016: 264 claims, 236 paid, $15,720,621 in total20162017: 333 claims, 306 paid, $40,213,729 in total20172019: 13 claims, 11 paid, $426,405 in total20202024: 10 claims2026: 14 claims, 13 paid, $582,147 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
20261413$582,147$44,781
202410<10––
20191311$426,405$38,764
2017333306$40,213,729$131,417
2016264236$15,720,621$66,613
20125754$1,938,699$35,902
20086655$3,533,548$64,246
20061515$222,861$14,857
20019888$4,273,587$48,563
19989584$1,592,379$18,957
199410398$5,088,276$51,921
19893629$353,722$12,197
19873630$160,802$5,360
19852825$449,570$17,983
19831512$116,818$9,735
19813530$131,338$4,378
19796966$542,536$8,220

From 2016 to 2026: 634 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 (916 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.