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Flood insurance cost · ZIP 77515 · TX

Flood insurance cost in ZIP 77515 (unincorporated Brazoria County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,673 home policies in force on August 31, 2026.

ZIP code 77515 (unincorporated Brazoria County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,002a year

Half of insured homes paid between $813 and $1,237. That is 8% less than the Brazoria County median ($1,086). Most insured homes here are rated in zone AE (55%).

$0$813 · $1,002 · $1,237$1,546
+7.7% vs Aug 31, 2025 (median $930)
2,673home policies in force
$1,071average cost (mean)
57%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 77515

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		$1,170$930–$1,384$1,2111,468 (55%)+11.0%
Zone AO
High risk, shallow		$1,078$976–$1,382$1,12714 (1%)+13.5%
Zone AH
High risk, shallow		$753$674–$800$73635 (1%)+2.6%
Zone X
Moderate to low risk		$887$768–$1,017$9021,153 (43%)+3.4%

Not shown (fewer than 10 home policies): VE, A, 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 77515, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,617$1,002$1,068
Manufactured (mobile) home50$1,145$1,316
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		133$1,595$1,848

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

2,809NFIP policies in force, any building
2,809insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77515

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 force2,8362,673−5.7%
Median annual cost$930$1,002+7.7%
Average annual cost$996$1,071+7.5%
All policies in force (any building)2,9872,809−6.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77515 have filed 2,476 flood claims. 2,076 received a payment, for a total of $98.1 million (an average of $47,250 per paid claim). The year with the most claims was 2017 (792 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 388 claims, 356 paid, $2,405,309 in total197919801981: 39 claims, 32 paid, $66,670 in total1982: 127 claims, 116 paid, $476,220 in total1983: 28 claims1984: 25 claims, 21 paid, $49,020 in total1985: 17 claims, 10 paid, $10,283 in total1989: 30 claims, 19 paid, $115,471 in total19901991: 52 claims, 40 paid, $164,087 in total1992: 74 claims, 63 paid, $962,070 in total1993: 68 claims, 64 paid, $715,545 in total1994: 27 claims, 18 paid, $186,760 in total1995: 29 claims, 26 paid, $240,799 in total1998: 151 claims, 135 paid, $1,815,757 in total20002001: 10 claims2002: 34 claims, 22 paid, $192,423 in total2006: 57 claims, 54 paid, $1,139,951 in total2007: 26 claims, 24 paid, $410,492 in total2008: 50 claims, 15 paid, $513,773 in total20102015: 37 claims, 33 paid, $771,153 in total2016: 308 claims, 258 paid, $18,436,502 in total20162017: 792 claims, 700 paid, $67,948,670 in total20172019: 30 claims, 25 paid, $675,319 in total20202024: 16 claims, 10 paid, $327,658 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241610$327,658$32,766
20193025$675,319$27,013
2017792700$67,948,670$97,070
2016308258$18,436,502$71,459
20153733$771,153$23,368
20085015$513,773$34,252
20072624$410,492$17,104
20065754$1,139,951$21,110
20023422$192,423$8,746
200110<10––
1998151135$1,815,757$13,450
19952926$240,799$9,262
19942718$186,760$10,376
19936864$715,545$11,180
19927463$962,070$15,271
19915240$164,087$4,102
19893019$115,471$6,077
19851710$10,283$1,028
19842521$49,020$2,334
198328<10––
1982127116$476,220$4,105
19813932$66,670$2,083
1979388356$2,405,309$6,756

From 2016 to 2026: 1,146 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

Unincorporated Brazoria County (1,572 home policies) · Angleton (866 home policies) · Bailey's Prairie (197 home policies) · Holiday Lakes (31 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.