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Flood insurance cost · ZIP 77401 · TX

Flood insurance cost in ZIP 77401 (Bellaire, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,280 home policies in force on August 31, 2026.

ZIP code 77401 (Bellaire, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,824a year

Half of insured homes paid between $1,357 and $2,384. That is 68% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (89%).

$0$1,357 · $1,824 · $2,384$2,980
+13.6% vs Aug 31, 2025 (median $1,605)
4,280home policies in force
$1,932average cost (mean)
89%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 77401

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		$1,915$1,434–$2,436$1,9943,820 (89%)+15.8%
Zone X
Moderate to low risk		$1,263$1,086–$1,269$1,422460 (11%)+16.8%

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 77401, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,256$1,828$1,937
2–4 unit building10$1,477$1,519
Condo or apartment unit13$1,066$917
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		139$3,721$3,974

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

4,420NFIP policies in force, any building
4,420insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77401

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 force4,4774,280−4.4%
Median annual cost$1,605$1,824+13.6%
Average annual cost$1,760$1,932+9.8%
All policies in force (any building)4,6144,420−4.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77401 have filed 3,303 flood claims. 2,861 received a payment, for a total of $255.3 million (an average of $89,234 per paid claim). The year with the most claims was 2017 (2,108 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 61 claims, 48 paid, $372,275 in total19801981: 15 claims, 11 paid, $13,693 in total1983: 39 claims, 24 paid, $132,851 in total19901994: 38 claims, 29 paid, $272,918 in total20002001: 558 claims, 497 paid, $16,185,195 in total20012008: 59 claims, 18 paid, $417,383 in total20102012: 22 claims, 21 paid, $443,583 in total2015: 250 claims, 200 paid, $9,653,067 in total20152016: 50 claims, 42 paid, $1,425,275 in total2017: 2,108 claims, 1,917 paid, $225,528,979 in total20172020
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 (10)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20172,1081,917$225,528,979$117,647
20165042$1,425,275$33,935
2015250200$9,653,067$48,265
20122221$443,583$21,123
20085918$417,383$23,188
2001558497$16,185,195$32,566
19943829$272,918$9,411
19833924$132,851$5,535
19811511$13,693$1,245
19796148$372,275$7,756

From 2016 to 2026: 2,158 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

Bellaire (4,273 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.