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Flood insurance cost · ZIP 77422 · TX

Flood insurance cost in ZIP 77422 (unincorporated Brazoria County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,338 home policies in force on August 31, 2026.

ZIP code 77422 (unincorporated Brazoria County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,250a year

Half of insured homes paid between $979 and $1,891. That is 15% more than the Brazoria County median ($1,086). Most insured homes here are rated in zone AE (79%).

$0$979 · $1,250 · $1,891$2,364
+15.1% vs Aug 31, 2025 (median $1,086)
1,338home policies in force
$1,570average cost (mean)
81%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 77422

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		$1,427$1,063–$2,049$1,7271,059 (79%)+11.6%
Zone A
High risk		$1,008$802–$1,184$98412 (1%)+11.8%
Zone AO
High risk, shallow		$651$590–$739$68111 (1%)+3.5%
Zone X
Moderate to low risk		$996$765–$1,141$975253 (19%)+10.3%

Not shown (fewer than 10 home policies): VE, 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 77422, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,247$1,258$1,582
Manufactured (mobile) home87$1,213$1,433
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		25$1,279$1,671

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

1,363NFIP policies in force, any building
1,363insured units (condo association policies count every unit)
86%of home policies also cover contents
$81,000median contents coverage, when bought

One year on: ZIP code 77422

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 force1,4321,338−6.6%
Median annual cost$1,086$1,250+15.1%
Average annual cost$1,418$1,570+10.7%
All policies in force (any building)1,4681,363−7.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77422 have filed 1,432 flood claims. 1,168 received a payment, for a total of $42.8 million (an average of $36,618 per paid claim). The year with the most claims was 2017 (537 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 160 claims, 133 paid, $749,985 in total19791980: 12 claims19801981: 29 claims, 22 paid, $116,048 in total1982: 12 claims, 12 paid, $31,987 in total1983: 12 claims1984: 22 claims, 22 paid, $92,641 in total19901991: 96 claims, 79 paid, $932,473 in total1994: 12 claims, 10 paid, $184,651 in total1995: 23 claims, 21 paid, $237,548 in total1998: 114 claims, 95 paid, $872,162 in total20002001: 12 claims, 10 paid, $115,273 in total2002: 168 claims, 156 paid, $3,251,452 in total20022003: 23 claims, 20 paid, $295,687 in total2006: 22 claims, 19 paid, $447,231 in total2008: 28 claims, 16 paid, $265,267 in total20102012: 10 claims2016: 33 claims, 24 paid, $1,003,047 in total2017: 537 claims, 446 paid, $32,652,114 in total20172019: 12 claims20202021: 10 claims2024: 22 claims, 16 paid, $479,245 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242216$479,245$29,953
202110<10––
201912<10––
2017537446$32,652,114$73,211
20163324$1,003,047$41,794
201210<10––
20082816$265,267$16,579
20062219$447,231$23,538
20032320$295,687$14,784
2002168156$3,251,452$20,843
20011210$115,273$11,527
199811495$872,162$9,181
19952321$237,548$11,312
19941210$184,651$18,465
19919679$932,473$11,803
19842222$92,641$4,211
198312<10––
19821212$31,987$2,666
19812922$116,048$5,275
198012<10––
1979160133$749,985$5,639

From 2016 to 2026: 614 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 Brazoria County (1,163 home policies) · Brazoria (175 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.