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Flood insurance cost · ZIP 77539 · TX

Flood insurance cost in ZIP 77539 (Dickinson, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,627 home policies in force on August 31, 2026.

ZIP code 77539 (Dickinson, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,231a year

Half of insured homes paid between $1,079 and $1,467. That is about the same as the Galveston County median ($1,214). Most insured homes here are rated in zone AE (64%).

$0$1,079 · $1,231 · $1,467$1,834
+16.6% vs Aug 31, 2025 (median $1,056)
6,627home policies in force
$1,414average cost (mean)
66%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 77539

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 VE / V
High risk, coastal		$2,482$1,453–$3,868$2,81972 (1%)+5.7%
Zone AE
High risk		$1,230$1,057–$1,705$1,5034,209 (64%)+16.6%
Zone A
High risk		$1,206$1,057–$1,471$1,30765 (1%)+14.0%
Zone X
Moderate to low risk		$1,231$1,084–$1,267$1,2092,281 (34%)+16.5%

Not shown (fewer than 10 home policies): 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 77539, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,441$1,230$1,418
2–4 unit building85$1,578$1,571
Manufactured (mobile) home60$1,222$1,345
Condo or apartment unit41$630$623
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.		84$1,636$2,871
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		312$3,420$3,970
7,023NFIP policies in force, any building
7,095insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77539

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 force6,9636,627−4.8%
Median annual cost$1,056$1,231+16.6%
Average annual cost$1,267$1,414+11.6%
All policies in force (any building)7,3657,023−4.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77539 have filed 8,375 flood claims. 7,223 received a payment, for a total of $456.6 million (an average of $63,212 per paid claim). The year with the most claims was 2017 (2,597 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 1,549 claims, 1,432 paid, $27,779,698 in total19791980: 21 claims, 12 paid, $28,817 in total19801981: 145 claims, 119 paid, $438,120 in total1983: 775 claims, 568 paid, $4,930,855 in total1984: 20 claims, 16 paid, $55,784 in total1986: 18 claims, 13 paid, $39,274 in total1989: 797 claims, 659 paid, $6,909,738 in total19901991: 12 claims1992: 15 claims1994: 11 claims1995: 23 claims, 20 paid, $126,828 in total1997: 20 claims, 16 paid, $103,624 in total1998: 198 claims, 150 paid, $1,922,819 in total20002001: 281 claims, 215 paid, $2,993,312 in total2002: 29 claims, 20 paid, $156,110 in total2003: 46 claims, 37 paid, $496,696 in total2005: 11 claims2006: 18 claims, 11 paid, $197,424 in total2008: 1,452 claims, 1,275 paid, $86,648,521 in total20082009: 38 claims, 34 paid, $573,685 in total20102015: 40 claims, 26 paid, $614,185 in total2017: 2,597 claims, 2,403 paid, $318,606,593 in total20172018: 22 claims, 16 paid, $303,301 in total2019: 11 claims20202021: 36 claims, 23 paid, $406,101 in total2024: 86 claims, 61 paid, $2,062,907 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20248661$2,062,907$33,818
20213623$406,101$17,657
201911<10––
20182216$303,301$18,956
20172,5972,403$318,606,593$132,587
20154026$614,185$23,622
20093834$573,685$16,873
20081,4521,275$86,648,521$67,960
20061811$197,424$17,948
200511<10––
20034637$496,696$13,424
20022920$156,110$7,806
2001281215$2,993,312$13,922
1998198150$1,922,819$12,819
19972016$103,624$6,476
19952320$126,828$6,341
199411<10––
199215<10––
199112<10––
1989797659$6,909,738$10,485
19861813$39,274$3,021
19842016$55,784$3,486
1983775568$4,930,855$8,681
1981145119$438,120$3,682
19802112$28,817$2,401
19791,5491,432$27,779,698$19,399

From 2016 to 2026: 2,752 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

Dickinson (3,431 home policies) · League City (1,607 home policies) · Unincorporated Galveston County (1,392 home policies) · Texas City (160 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.