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Flood insurance cost · ZIP 77386 · TX

Flood insurance cost in ZIP 77386 (unincorporated Montgomery County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,169 home policies in force on August 31, 2026.

ZIP code 77386 (unincorporated Montgomery County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$962a year

Half of insured homes paid between $785 and $1,112. That is 6% less than the Montgomery County median ($1,019). Most insured homes here are rated in zone X (93%).

$0$785 · $962 · $1,112$1,390
+3.6% vs Aug 31, 2025 (median $929)
3,169home policies in force
$965average cost (mean)
7%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 77386

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		$978$872–$1,221$1,071209 (7%)−0.3%
Zone X
Moderate to low risk		$959$781–$1,105$9572,957 (93%)+3.2%

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 77386, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,135$964$965
2–4 unit building28$946$988
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.		47$1,649$2,027
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		81$1,692$2,369

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

3,297NFIP policies in force, any building
3,297insured 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 77386

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 force3,5393,169−10.5%
Median annual cost$929$962+3.6%
Average annual cost$909$965+6.2%
All policies in force (any building)3,6743,297−10.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77386 have filed 1,343 flood claims. 1,208 received a payment, for a total of $58.4 million (an average of $48,358 per paid claim). The years with the most claims were 1979 and 2017 (264 claims each). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 71 claims, 68 paid, $541,591 in total1979: 264 claims, 245 paid, $1,977,416 in total197919801982: 15 claims, 14 paid, $49,989 in total1984: 31 claims, 30 paid, $126,015 in total1985: 42 claims, 38 paid, $468,015 in total1987: 100 claims, 95 paid, $671,399 in total1989: 80 claims, 79 paid, $831,773 in total19901994: 53 claims, 51 paid, $2,762,344 in total1998: 49 claims, 47 paid, $875,863 in total20002001: 20 claims, 16 paid, $287,818 in total2003: 13 claims, 11 paid, $114,378 in total2006: 18 claims, 18 paid, $439,605 in total2008: 32 claims, 13 paid, $151,438 in total2009: 51 claims, 48 paid, $1,753,215 in total20102016: 118 claims, 110 paid, $9,412,197 in total20162017: 264 claims, 232 paid, $35,080,604 in total20172019: 30 claims, 28 paid, $1,035,936 in total20202024: 19 claims, 17 paid, $1,186,021 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241917$1,186,021$69,766
20193028$1,035,936$36,998
2017264232$35,080,604$151,210
2016118110$9,412,197$85,565
20095148$1,753,215$36,525
20083213$151,438$11,649
20061818$439,605$24,422
20031311$114,378$10,398
20012016$287,818$17,989
19984947$875,863$18,635
19945351$2,762,344$54,164
19898079$831,773$10,529
198710095$671,399$7,067
19854238$468,015$12,316
19843130$126,015$4,200
19821514$49,989$3,571
1979264245$1,977,416$8,071
19787168$541,591$7,965

From 2016 to 2026: 431 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 (3,066 home policies) · Oak Ridge North (101 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.