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Flood insurance cost · ZIP 77511 · TX

Flood insurance cost in ZIP 77511 (Alvin, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,744 home policies in force on August 31, 2026.

ZIP code 77511 (Alvin, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,074a year

Half of insured homes paid between $883 and $1,260. That is about the same as the Brazoria County median ($1,086). The most common flood zone for insured homes here is zone X (49%).

$0$883 · $1,074 · $1,260$1,575
+12.2% vs Aug 31, 2025 (median $957)
3,744home policies in force
$1,120average cost (mean)
51%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 77511

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		$1,178$976–$1,522$1,307998 (27%)+11.8%
Zone A
High risk		$946$733–$1,065$93314 (0%)+9.4%
Zone AO
High risk, shallow		$925$804–$1,188$1,023913 (24%)+6.1%
Zone X
Moderate to low risk		$1,074$916–$1,233$1,0681,819 (49%)+14.5%

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 77511, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,463$1,081$1,132
2–4 unit building30$1,282$1,229
Manufactured (mobile) home245$820$955
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$3,246$3,115
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		172$1,800$2,160

Not shown (fewer than 10 policies): condo or apartment unit.

3,962NFIP policies in force, any building
3,962insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77511

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 force3,9913,744−6.2%
Median annual cost$957$1,074+12.2%
Average annual cost$1,030$1,120+8.7%
All policies in force (any building)4,2403,962−6.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77511 have filed 3,655 flood claims. 3,143 received a payment, for a total of $104.6 million (an average of $33,284 per paid claim). The year with the most claims was 1979 (1,364 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 1,364 claims, 1,264 paid, $18,974,437 in total197919801981: 67 claims, 52 paid, $181,327 in total1983: 73 claims, 46 paid, $136,419 in total1984: 16 claims, 12 paid, $65,320 in total1989: 257 claims, 227 paid, $3,591,152 in total19891990: 10 claims19901992: 15 claims, 13 paid, $79,955 in total1994: 47 claims, 37 paid, $658,835 in total1995: 11 claims1997: 24 claims, 19 paid, $153,135 in total1998: 79 claims, 62 paid, $731,246 in total20002001: 89 claims, 75 paid, $1,799,291 in total2002: 83 claims, 73 paid, $1,079,848 in total2006: 63 claims, 52 paid, $1,840,435 in total2007: 13 claims2008: 213 claims, 117 paid, $2,320,775 in total2009: 169 claims, 162 paid, $4,566,691 in total2010: 10 claims20102012: 17 claims, 13 paid, $103,487 in total2017: 891 claims, 790 paid, $65,829,966 in total20172019: 16 claims20202024: 43 claims, 35 paid, $1,060,662 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244335$1,060,662$30,305
201916<10––
2017891790$65,829,966$83,329
20121713$103,487$7,961
201010<10––
2009169162$4,566,691$28,189
2008213117$2,320,775$19,836
200713<10––
20066352$1,840,435$35,393
20028373$1,079,848$14,792
20018975$1,799,291$23,991
19987962$731,246$11,794
19972419$153,135$8,060
199511<10––
19944737$658,835$17,806
19921513$79,955$6,150
199010<10––
1989257227$3,591,152$15,820
19841612$65,320$5,443
19837346$136,419$2,966
19816752$181,327$3,487
19791,3641,264$18,974,437$15,011

From 2016 to 2026: 950 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

Alvin (1,866 home policies) · Unincorporated Brazoria County (1,530 home policies) · Unincorporated Galveston County (176 home policies) · Hillcrest Village (132 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.