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Flood insurance cost · ZIP 77385 · TX

Flood insurance cost in ZIP 77385 (unincorporated Montgomery County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,062 home policies in force on August 31, 2026.

ZIP code 77385 (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 $946 and $1,267. That is 7% more than the Montgomery County median ($1,019). Most insured homes here are rated in zone X (81%).

$0$946 · $1,086 · $1,267$1,584
+6.5% vs Aug 31, 2025 (median $1,020)
1,062home policies in force
$1,210average cost (mean)
19%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 77385

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		$1,405$1,101–$2,115$1,725201 (19%)+9.0%
Zone X
Moderate to low risk		$1,084$931–$1,259$1,092856 (81%)+11.0%

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 77385, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,052$1,087$1,214
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		32$1,441$2,000

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

1,096NFIP policies in force, any building
1,096insured 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 77385

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 force1,2291,062−13.6%
Median annual cost$1,020$1,086+6.5%
Average annual cost$1,102$1,210+9.8%
All policies in force (any building)1,2721,096−13.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77385 have filed 1,027 flood claims. 900 received a payment, for a total of $50.3 million (an average of $55,863 per paid claim). The year with the most claims was 2017 (214 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 113 claims, 99 paid, $1,498,918 in total197919801983: 35 claims, 34 paid, $499,024 in total1985: 12 claims, 12 paid, $104,919 in total1987: 20 claims, 15 paid, $96,011 in total1989: 29 claims, 22 paid, $238,839 in total19901994: 161 claims, 145 paid, $7,699,558 in total19941998: 69 claims, 68 paid, $2,255,568 in total20002001: 30 claims, 24 paid, $411,012 in total2002: 10 claims2008: 50 claims, 41 paid, $1,342,261 in total2009: 24 claims, 23 paid, $1,003,995 in total20102016: 85 claims, 74 paid, $4,079,982 in total2017: 214 claims, 204 paid, $24,420,705 in total20172019: 13 claims, 12 paid, $455,340 in total20202024: 60 claims, 50 paid, $4,855,991 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246050$4,855,991$97,120
20191312$455,340$37,945
2017214204$24,420,705$119,709
20168574$4,079,982$55,135
20092423$1,003,995$43,652
20085041$1,342,261$32,738
200210<10––
20013024$411,012$17,126
19986968$2,255,568$33,170
1994161145$7,699,558$53,100
19892922$238,839$10,856
19872015$96,011$6,401
19851212$104,919$8,743
19833534$499,024$14,677
197911399$1,498,918$15,141

From 2016 to 2026: 372 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 (933 home policies) · Oak Ridge North (82 home policies) · Woodloch (34 home policies) · Shenandoah (10 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.