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Flood insurance cost · ZIP 77510 · TX

Flood insurance cost in ZIP 77510 (Santa Fe, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,549 home policies in force on August 31, 2026.

ZIP code 77510 (Santa Fe, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $940 and $1,265. That is 11% less than the Galveston County median ($1,214). Most insured homes here are rated in zone X (91%).

$0$940 · $1,086 · $1,265$1,581
+11.0% vs Aug 31, 2025 (median $978)
1,549home policies in force
$1,119average cost (mean)
9%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 77510

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		$946$772–$1,518$1,223133 (9%)+4.8%
Zone X
Moderate to low risk		$1,086$957–$1,264$1,1091,416 (91%)+9.8%

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 77510, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,518$1,086$1,118
Manufactured (mobile) home21$936$1,063
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		33$1,911$2,344

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

1,584NFIP policies in force, any building
1,584insured units (condo association policies count every unit)
97%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77510

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 force1,6861,549−8.1%
Median annual cost$978$1,086+11.0%
Average annual cost$1,008$1,119+11.0%
All policies in force (any building)1,7251,584−8.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77510 have filed 1,570 flood claims. 1,335 received a payment, for a total of $56.3 million (an average of $42,193 per paid claim). The year with the most claims was 2017 (645 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 341 claims, 313 paid, $3,430,317 in total197919801981: 130 claims, 108 paid, $529,878 in total19811983: 120 claims, 74 paid, $259,221 in total1984: 32 claims, 26 paid, $213,769 in total1986: 19 claims, 15 paid, $70,409 in total1989: 46 claims, 40 paid, $473,009 in total19901995: 11 claims, 10 paid, $98,923 in total1998: 14 claims20002001: 62 claims, 53 paid, $951,829 in total2002: 24 claims, 22 paid, $425,700 in total2008: 64 claims, 19 paid, $253,548 in total20102017: 645 claims, 603 paid, $48,855,911 in total20172018: 12 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201812<10––
2017645603$48,855,911$81,021
20086419$253,548$13,345
20022422$425,700$19,350
20016253$951,829$17,959
199814<10––
19951110$98,923$9,892
19894640$473,009$11,825
19861915$70,409$4,694
19843226$213,769$8,222
198312074$259,221$3,503
1981130108$529,878$4,906
1979341313$3,430,317$10,959

From 2016 to 2026: 657 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

Santa Fe (1,094 home policies) · Unincorporated Galveston County (387 home policies) · La Marque (46 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.