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Flood insurance cost · ZIP 77536 · TX

Flood insurance cost in ZIP 77536 (Deer Park, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,483 home policies in force on August 31, 2026.

ZIP code 77536 (Deer Park, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,082a year

Half of insured homes paid between $838 and $1,254. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone X (93%).

$0$838 · $1,082 · $1,254$1,568
+13.7% vs Aug 31, 2025 (median $952)
2,483home policies in force
$1,039average cost (mean)
7%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 77536

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		$678$603–$746$704126 (5%)+4.1%
Zone A
High risk		$831$736–$1,046$89853 (2%)+5.2%
Zone X
Moderate to low risk		$1,086$906–$1,259$1,0602,304 (93%)+10.4%

Not shown (fewer than 10 home policies): VE, 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 77536, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,473$1,082$1,040
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		171$1,857$2,250

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

2,656NFIP policies in force, any building
2,656insured 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 77536

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 force2,8312,483−12.3%
Median annual cost$952$1,082+13.7%
Average annual cost$945$1,039+9.9%
All policies in force (any building)3,0112,656−11.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77536 have filed 1,855 flood claims. 1,555 received a payment, for a total of $45.4 million (an average of $29,222 per paid claim). The year with the most claims was 2001 (588 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 201 claims, 181 paid, $924,853 in total197919801981: 56 claims, 45 paid, $90,720 in total1983: 35 claims, 18 paid, $42,107 in total1989: 59 claims, 43 paid, $119,894 in total19901994: 20 claims, 14 paid, $31,333 in total1998: 18 claims, 13 paid, $36,500 in total20002001: 588 claims, 553 paid, $17,316,967 in total20012006: 25 claims, 19 paid, $151,205 in total2007: 166 claims, 156 paid, $6,116,956 in total2008: 99 claims, 38 paid, $350,774 in total2009: 40 claims, 34 paid, $272,450 in total20102015: 20 claims, 15 paid, $119,243 in total2017: 412 claims, 359 paid, $18,524,689 in total20172019: 31 claims, 28 paid, $1,119,577 in total2020
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20193128$1,119,577$39,985
2017412359$18,524,689$51,601
20152015$119,243$7,950
20094034$272,450$8,013
20089938$350,774$9,231
2007166156$6,116,956$39,211
20062519$151,205$7,958
2001588553$17,316,967$31,315
19981813$36,500$2,808
19942014$31,333$2,238
19895943$119,894$2,788
19833518$42,107$2,339
19815645$90,720$2,016
1979201181$924,853$5,110

From 2016 to 2026: 443 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

Deer Park (2,464 home policies) · Pasadena (17 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.