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Flood insurance cost · ZIP 77535 · TX

Flood insurance cost in ZIP 77535 (unincorporated Liberty County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 866 home policies in force on August 31, 2026.

ZIP code 77535 (unincorporated Liberty County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$788a year

Half of insured homes paid between $628 and $1,084. That is 3% less than the Liberty County median ($813). Most insured homes here are rated in zone X (84%).

$0$628 · $788 · $1,084$1,355
+3.0% vs Aug 31, 2025 (median $765)
866home policies in force
$888average cost (mean)
16%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 77535

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		$1,083$739–$1,363$1,14393 (11%)+8.4%
Zone AO
High risk, shallow		$1,226$861–$1,574$1,26738 (4%)+13.7%
Zone X
Moderate to low risk		$757$615–$1,042$837728 (84%)+2.6%

Not shown (fewer than 10 home policies): VE, A, 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 77535, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home781$776$872
Manufactured (mobile) home84$918$1,053
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.		10$1,561$1,552
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		30$1,360$1,654

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

906NFIP policies in force, any building
906insured 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 77535

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 force979866−11.5%
Median annual cost$765$788+3.0%
Average annual cost$839$888+5.8%
All policies in force (any building)1,031906−12.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77535 have filed 1,076 flood claims. 926 received a payment, for a total of $34.3 million (an average of $37,059 per paid claim). The year with the most claims was 2017 (255 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 11 claims, 10 paid, $72,391 in total19801981: 11 claims1989: 18 claims, 13 paid, $136,871 in total1990: 75 claims, 72 paid, $950,692 in total19901991: 40 claims, 35 paid, $175,535 in total1992: 61 claims, 55 paid, $648,762 in total1993: 17 claims, 14 paid, $120,573 in total1994: 109 claims, 94 paid, $1,800,876 in total19941996: 12 claims, 11 paid, $85,419 in total1997: 15 claims, 14 paid, $131,031 in total1998: 66 claims, 55 paid, $716,231 in total2000: 46 claims, 41 paid, $715,177 in total20002001: 20 claims, 10 paid, $85,645 in total2002: 56 claims, 39 paid, $412,726 in total2008: 17 claims20102015: 28 claims, 27 paid, $1,231,828 in total2016: 12 claims, 11 paid, $355,264 in total2017: 255 claims, 227 paid, $17,628,070 in total20172019: 120 claims, 116 paid, $7,017,418 in total201920202024: 20 claims, 16 paid, $1,243,293 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242016$1,243,293$77,706
2019120116$7,017,418$60,495
2017255227$17,628,070$77,657
20161211$355,264$32,297
20152827$1,231,828$45,623
200817<10––
20025639$412,726$10,583
20012010$85,645$8,564
20004641$715,177$17,443
19986655$716,231$13,022
19971514$131,031$9,359
19961211$85,419$7,765
199410994$1,800,876$19,158
19931714$120,573$8,612
19926155$648,762$11,796
19914035$175,535$5,015
19907572$950,692$13,204
19891813$136,871$10,529
198111<10––
19791110$72,391$7,239

From 2016 to 2026: 407 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 Liberty County (471 home policies) · Dayton (204 home policies) · Unincorporated Chambers County (99 home policies) · Mont Belvieu (79 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.