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Flood insurance cost · ZIP 77414 · TX

Flood insurance cost in ZIP 77414 (unincorporated Matagorda County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,463 home policies in force on August 31, 2026.

ZIP code 77414 (unincorporated Matagorda County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,233a year

Half of insured homes paid between $1,020 and $1,664. That is about the same as the Matagorda County median ($1,246). The most common flood zone for insured homes here is zone AE (49%).

$0$1,020 · $1,233 · $1,664$2,080
+13.9% vs Aug 31, 2025 (median $1,083)
1,463home policies in force
$1,469average cost (mean)
68%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 77414

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 VE / V
High risk, coastal		$2,060$1,514–$2,882$2,284201 (14%)+5.2%
Zone AE
High risk		$1,292$1,028–$1,764$1,494715 (49%)+10.0%
Zone A
High risk		$1,258$1,036–$1,658$1,40482 (6%)+15.7%
Zone X
Moderate to low risk		$1,086$950–$1,240$1,090465 (32%)+16.0%

Not shown (fewer than 10 home policies): 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 77414, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,433$1,235$1,472
Manufactured (mobile) home19$1,143$1,437
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.		54$1,033$1,674
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		113$1,819$2,239

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

1,630NFIP policies in force, any building
1,630insured units (condo association policies count every unit)
83%of home policies also cover contents
$90,000median contents coverage, when bought

One year on: ZIP code 77414

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 force1,5371,463−4.8%
Median annual cost$1,083$1,233+13.9%
Average annual cost$1,333$1,469+10.2%
All policies in force (any building)1,7221,630−5.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77414 have filed 1,270 flood claims. 920 received a payment, for a total of $13.7 million (an average of $14,940 per paid claim). The year with the most claims was 2017 (202 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 135 claims, 106 paid, $379,616 in total197919801981: 64 claims, 53 paid, $175,609 in total1982: 22 claims, 19 paid, $60,863 in total1984: 151 claims, 123 paid, $629,673 in total19841989: 14 claims, 11 paid, $24,787 in total19901991: 51 claims, 42 paid, $240,295 in total1994: 10 claims1995: 30 claims, 26 paid, $196,097 in total1998: 104 claims, 77 paid, $1,213,466 in total20002002: 76 claims, 69 paid, $946,671 in total2003: 70 claims, 45 paid, $546,053 in total2004: 22 claims, 18 paid, $341,549 in total2007: 10 claims, 10 paid, $196,281 in total2008: 71 claims, 47 paid, $528,660 in total20102017: 202 claims, 108 paid, $4,975,543 in total20172019: 52 claims, 44 paid, $1,290,364 in total20202021: 26 claims, 14 paid, $283,613 in total2024: 89 claims, 55 paid, $929,734 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
20248955$929,734$16,904
20212614$283,613$20,258
20195244$1,290,364$29,326
2017202108$4,975,543$46,070
20087147$528,660$11,248
20071010$196,281$19,628
20042218$341,549$18,975
20037045$546,053$12,135
20027669$946,671$13,720
199810477$1,213,466$15,759
19953026$196,097$7,542
199410<10––
19915142$240,295$5,721
19891411$24,787$2,253
1984151123$629,673$5,119
19822219$60,863$3,203
19816453$175,609$3,313
1979135106$379,616$3,581

From 2016 to 2026: 369 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 Matagorda County (904 home policies) · Bay City (558 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.