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Flood insurance cost · ZIP 77504 · TX

Flood insurance cost in ZIP 77504 (Pasadena, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 761 home policies in force on August 31, 2026.

ZIP code 77504 (Pasadena, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$978a year

Half of insured homes paid between $889 and $1,074. That is 10% less than the Harris County median ($1,088). Most insured homes here are rated in zone X (99%).

$0$889 · $978 · $1,074$1,342
+5.6% vs Aug 31, 2025 (median $926)
761home policies in force
$968average cost (mean)
1%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 77504

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 X
Moderate to low risk		$978$889–$1,072$965752 (99%)+5.6%

Not shown (fewer than 10 home policies): VE, AE, 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 77504, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home714$982$990
Condo or apartment unit36$477$477
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.		46$1,522$1,758
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		71$2,613$2,613

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

878NFIP policies in force, any building
878insured units (condo association policies count every unit)
98%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77504

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 force861761−11.6%
Median annual cost$926$978+5.6%
Average annual cost$909$968+6.5%
All policies in force (any building)991878−11.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77504 have filed 677 flood claims. 475 received a payment, for a total of $21.8 million (an average of $45,885 per paid claim). The year with the most claims was 2017 (183 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 46 claims, 33 paid, $313,120 in total19801981: 31 claims, 14 paid, $43,220 in total1983: 44 claims, 23 paid, $77,046 in total1989: 78 claims, 22 paid, $165,902 in total198919901994: 15 claims, 10 paid, $41,932 in total1996: 13 claims, 11 paid, $65,491 in total1998: 10 claims1999: 11 claims20002001: 62 claims, 56 paid, $1,227,946 in total2002: 13 claims, 11 paid, $105,644 in total2006: 16 claims, 14 paid, $467,760 in total2007: 11 claims2008: 93 claims, 61 paid, $7,250,742 in total20082009: 17 claims, 15 paid, $135,409 in total20102017: 183 claims, 158 paid, $11,449,508 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2017183158$11,449,508$72,465
20091715$135,409$9,027
20089361$7,250,742$118,865
200711<10––
20061614$467,760$33,411
20021311$105,644$9,604
20016256$1,227,946$21,928
199911<10––
199810<10––
19961311$65,491$5,954
19941510$41,932$4,193
19897822$165,902$7,541
19834423$77,046$3,350
19813114$43,220$3,087
19794633$313,120$9,488

From 2016 to 2026: 183 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 (739 home policies) · Houston (21 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.