Menu

Flood insurance cost · ZIP 77505 · TX

Flood insurance cost in ZIP 77505 (Pasadena, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,057 home policies in force on August 31, 2026.

ZIP code 77505 (Pasadena, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,087a year

Half of insured homes paid between $928 and $1,265. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone X (80%).

$0$928 · $1,087 · $1,265$1,581
+7.5% vs Aug 31, 2025 (median $1,011)
2,057home policies in force
$1,072average cost (mean)
20%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 77505

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		$1,117$966–$1,259$1,130409 (20%)+6.8%
Zone X
Moderate to low risk		$1,086$903–$1,265$1,0581,646 (80%)+9.3%

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 77505, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,035$1,087$1,075
Condo or apartment unit12$436$454
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.		45$1,503$1,984
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		181$2,819$3,004

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

2,283NFIP policies in force, any building
2,283insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77505

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 force2,2342,057−7.9%
Median annual cost$1,011$1,087+7.5%
Average annual cost$977$1,072+9.7%
All policies in force (any building)2,4932,283−8.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77505 have filed 2,057 flood claims. 1,601 received a payment, for a total of $68.6 million (an average of $42,837 per paid claim). The years with the most claims were 2001 and 2017 (405 claims each). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 165 claims, 145 paid, $1,947,426 in total197919801981: 94 claims, 84 paid, $750,182 in total1983: 62 claims, 48 paid, $540,812 in total1985: 53 claims, 18 paid, $147,249 in total1987: 66 claims, 35 paid, $437,343 in total1989: 152 claims, 95 paid, $2,400,107 in total19901994: 81 claims, 71 paid, $1,322,356 in total1996: 87 claims, 76 paid, $2,766,551 in total1997: 91 claims, 68 paid, $2,167,484 in total1998: 107 claims, 92 paid, $3,315,649 in total20002001: 405 claims, 347 paid, $15,865,007 in total20012002: 28 claims, 25 paid, $505,816 in total2006: 27 claims, 25 paid, $1,838,839 in total2007: 32 claims, 31 paid, $3,377,593 in total2008: 114 claims, 33 paid, $1,950,877 in total2009: 27 claims, 25 paid, $401,539 in total20102015: 15 claims, 10 paid, $165,477 in total2017: 405 claims, 352 paid, $28,482,201 in total20172019: 11 claims2020
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
201911<10––
2017405352$28,482,201$80,915
20151510$165,477$16,548
20092725$401,539$16,062
200811433$1,950,877$59,117
20073231$3,377,593$108,955
20062725$1,838,839$73,554
20022825$505,816$20,233
2001405347$15,865,007$45,720
199810792$3,315,649$36,040
19979168$2,167,484$31,875
19968776$2,766,551$36,402
19948171$1,322,356$18,625
198915295$2,400,107$25,264
19876635$437,343$12,496
19855318$147,249$8,180
19836248$540,812$11,267
19819484$750,182$8,931
1979165145$1,947,426$13,431

From 2016 to 2026: 416 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 (2,051 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.