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Flood insurance cost · ZIP 77503 · TX

Flood insurance cost in ZIP 77503 (Pasadena, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 639 home policies in force on August 31, 2026.

ZIP code 77503 (Pasadena, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$938a year

Half of insured homes paid between $648 and $1,083. That is 14% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (93%).

$0$648 · $938 · $1,083$1,354
+5.4% vs Aug 31, 2025 (median $890)
639home policies in force
$893average cost (mean)
7%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 77503

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		$782$548–$1,066$81844 (7%)±0.0%
Zone X
Moderate to low risk		$943$653–$1,082$897593 (93%)+6.0%

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 77503, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home617$943$899
Condo or apartment unit11$468$486
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		65$1,735$2,236

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

708NFIP policies in force, any building
708insured units (condo association policies count every unit)
97%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 77503

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 force727639−12.1%
Median annual cost$890$938+5.4%
Average annual cost$841$893+6.2%
All policies in force (any building)797708−11.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77503 have filed 1,799 flood claims. 1,437 received a payment, for a total of $34.5 million (an average of $24,030 per paid claim). The year with the most claims was 2001 (401 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 221 claims, 187 paid, $1,857,884 in total197919801981: 126 claims, 113 paid, $856,997 in total1983: 96 claims, 84 paid, $748,036 in total1985: 19 claims, 10 paid, $75,973 in total1987: 51 claims, 26 paid, $246,311 in total1989: 116 claims, 80 paid, $1,539,497 in total19901994: 94 claims, 60 paid, $925,322 in total1996: 46 claims, 44 paid, $1,105,147 in total1997: 90 claims, 59 paid, $847,057 in total1998: 127 claims, 92 paid, $1,191,915 in total20002001: 401 claims, 343 paid, $12,772,099 in total20012002: 28 claims, 28 paid, $357,959 in total2006: 30 claims, 26 paid, $637,182 in total2007: 24 claims, 23 paid, $821,373 in total2008: 50 claims, 32 paid, $362,870 in total2009: 33 claims, 31 paid, $420,092 in total20102015: 10 claims2017: 173 claims, 153 paid, $9,058,322 in total20172019: 20 claims, 18 paid, $432,658 in total2020
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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20192018$432,658$24,037
2017173153$9,058,322$59,205
201510<10––
20093331$420,092$13,551
20085032$362,870$11,340
20072423$821,373$35,712
20063026$637,182$24,507
20022828$357,959$12,784
2001401343$12,772,099$37,236
199812792$1,191,915$12,956
19979059$847,057$14,357
19964644$1,105,147$25,117
19949460$925,322$15,422
198911680$1,539,497$19,244
19875126$246,311$9,474
19851910$75,973$7,597
19839684$748,036$8,905
1981126113$856,997$7,584
1979221187$1,857,884$9,935

From 2016 to 2026: 193 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

Pasadena (639 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.