Menu

Flood insurance cost · ZIP 77388 · TX

Flood insurance cost in ZIP 77388 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,669 home policies in force on August 31, 2026.

ZIP code 77388 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,048a year

Half of insured homes paid between $854 and $1,217. That is 4% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (94%).

$0$854 · $1,048 · $1,217$1,521
+12.7% vs Aug 31, 2025 (median $930)
1,669home policies in force
$1,031average cost (mean)
6%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 77388

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		$1,277$1,051–$1,691$1,400105 (6%)+10.9%
Zone X
Moderate to low risk		$1,032$848–$1,186$1,0061,564 (94%)+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 77388, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,668$1,048$1,031
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		58$1,897$2,496

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).

1,727NFIP policies in force, any building
1,727insured 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 77388

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 force1,9261,669−13.3%
Median annual cost$930$1,048+12.7%
Average annual cost$940$1,031+9.7%
All policies in force (any building)2,0041,727−13.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77388 have filed 842 flood claims. 664 received a payment, for a total of $47.1 million (an average of $70,996 per paid claim). The year with the most claims was 2017 (246 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 12 claims, 10 paid, $161,239 in total19801981: 32 claims, 24 paid, $712,890 in total1983: 16 claims1984: 42 claims, 38 paid, $1,216,158 in total1987: 21 claims, 20 paid, $250,406 in total1989: 82 claims, 77 paid, $2,347,639 in total198919901993: 12 claims, 10 paid, $79,098 in total1998: 30 claims, 24 paid, $592,900 in total20002001: 76 claims, 64 paid, $2,408,159 in total20012003: 26 claims, 21 paid, $398,957 in total2008: 47 claims, 24 paid, $409,270 in total2009: 34 claims, 31 paid, $1,044,327 in total20102015: 10 claims2016: 47 claims, 39 paid, $1,359,317 in total2017: 246 claims, 198 paid, $34,818,192 in total20172019: 12 claims2020
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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201912<10––
2017246198$34,818,192$175,849
20164739$1,359,317$34,854
201510<10––
20093431$1,044,327$33,688
20084724$409,270$17,053
20032621$398,957$18,998
20017664$2,408,159$37,627
19983024$592,900$24,704
19931210$79,098$7,910
19898277$2,347,639$30,489
19872120$250,406$12,520
19844238$1,216,158$32,004
198316<10––
19813224$712,890$29,704
19791210$161,239$16,124

From 2016 to 2026: 305 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 (1,669 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.