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Flood insurance cost · ZIP 77396 · TX

Flood insurance cost in ZIP 77396 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,557 home policies in force on August 31, 2026.

ZIP code 77396 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,192a year

Half of insured homes paid between $933 and $1,267. That is 10% more than the Harris County median ($1,088). Most insured homes here are rated in zone X (81%).

$0$933 · $1,192 · $1,267$1,584
+14.0% vs Aug 31, 2025 (median $1,046)
1,557home policies in force
$1,123average 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 77396

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		$1,167$728–$1,571$1,186290 (19%)+8.5%
Zone X
Moderate to low risk		$1,194$1,014–$1,267$1,1081,267 (81%)+14.8%

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 77396, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,523$1,204$1,129
2–4 unit building14$837$854
Manufactured (mobile) home15$817$952
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		89$2,543$2,793

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

1,653NFIP policies in force, any building
1,653insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77396

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 force1,7521,557−11.1%
Median annual cost$1,046$1,192+14.0%
Average annual cost$1,006$1,123+11.6%
All policies in force (any building)1,8521,653−10.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77396 have filed 928 flood claims. 801 received a payment, for a total of $26.6 million (an average of $33,194 per paid claim). The year with the most claims was 2017 (177 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 32 claims, 31 paid, $538,166 in total19801981: 40 claims, 36 paid, $290,045 in total1983: 52 claims, 50 paid, $1,085,143 in total1984: 59 claims, 57 paid, $1,197,714 in total1989: 99 claims, 88 paid, $1,535,924 in total198919901992: 63 claims, 59 paid, $1,325,290 in total20002001: 161 claims, 138 paid, $6,552,456 in total20012002: 54 claims, 45 paid, $895,982 in total2008: 51 claims, 41 paid, $759,877 in total20102017: 177 claims, 144 paid, $8,697,302 in total20172019: 59 claims, 57 paid, $2,647,135 in total20202024: 14 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202414<10––
20195957$2,647,135$46,441
2017177144$8,697,302$60,398
20085141$759,877$18,534
20025445$895,982$19,911
2001161138$6,552,456$47,482
19926359$1,325,290$22,463
19899988$1,535,924$17,454
19845957$1,197,714$21,013
19835250$1,085,143$21,703
19814036$290,045$8,057
19793231$538,166$17,360

From 2016 to 2026: 250 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 (1,159 home policies) · Humble (242 home policies) · Houston (156 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.