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Flood insurance cost · ZIP 77541 · TX

Flood insurance cost in ZIP 77541 (Surfside Beach, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,953 home policies in force on August 31, 2026.

ZIP code 77541 (Surfside Beach, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,654a year

Half of insured homes paid between $1,204 and $2,500. That is 52% more than the Brazoria County median ($1,086). The most common flood zone for insured homes here is zone VE / V (45%).

$0$1,204 · $1,654 · $2,500$3,125
+8.0% vs Aug 31, 2025 (median $1,532)
1,953home policies in force
$2,008average cost (mean)
84%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 77541

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		$2,338$1,761–$3,055$2,596882 (45%)+3.5%
Zone AE
High risk		$1,412$1,120–$1,924$1,683759 (39%)+12.2%
Zone X
Moderate to low risk		$1,120$970–$1,261$1,139304 (16%)+15.7%

Not shown (fewer than 10 home policies): A, 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 77541, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,910$1,660$2,016
2–4 unit building14$1,854$2,453
Manufactured (mobile) home18$970$1,275
Condo or apartment unit11$811$1,280
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.		42$2,416$3,441
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		108$4,012$4,613
2,103NFIP policies in force, any building
2,121insured units (condo association policies count every unit)
71%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: ZIP code 77541

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 force2,0401,953−4.3%
Median annual cost$1,532$1,654+8.0%
Average annual cost$1,879$2,008+6.9%
All policies in force (any building)2,1922,103−4.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77541 have filed 3,841 flood claims. 2,963 received a payment, for a total of $52.1 million (an average of $17,579 per paid claim). The year with the most claims was 2008 (1,061 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 444 claims, 381 paid, $2,315,949 in total19791980: 80 claims, 68 paid, $283,318 in total19801981: 32 claims, 27 paid, $51,988 in total1983: 294 claims, 136 paid, $661,511 in total1984: 80 claims, 68 paid, $310,838 in total1988: 15 claims, 10 paid, $14,239 in total19901996: 19 claims, 13 paid, $117,975 in total1998: 468 claims, 369 paid, $2,920,083 in total199820002002: 380 claims, 300 paid, $4,597,732 in total2003: 286 claims, 233 paid, $2,416,461 in total2004: 12 claims2005: 58 claims, 40 paid, $855,053 in total2008: 1,061 claims, 914 paid, $22,159,535 in total200820102015: 15 claims2016: 27 claims, 20 paid, $465,255 in total2017: 191 claims, 127 paid, $10,707,398 in total2019: 22 claims, 18 paid, $447,206 in total2020: 46 claims, 25 paid, $296,418 in total20202021: 73 claims, 37 paid, $902,798 in total2024: 144 claims, 92 paid, $1,642,746 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
202414492$1,642,746$17,856
20217337$902,798$24,400
20204625$296,418$11,857
20192218$447,206$24,845
2017191127$10,707,398$84,310
20162720$465,255$23,263
201515<10––
20081,061914$22,159,535$24,245
20055840$855,053$21,376
200412<10––
2003286233$2,416,461$10,371
2002380300$4,597,732$15,326
1998468369$2,920,083$7,914
19961913$117,975$9,075
19881510$14,239$1,424
19848068$310,838$4,571
1983294136$661,511$4,864
19813227$51,988$1,925
19808068$283,318$4,166
1979444381$2,315,949$6,079

From 2016 to 2026: 503 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

Surfside Beach (739 home policies) · Unincorporated Brazoria County (653 home policies) · Freeport (330 home policies) · Jones Creek (193 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.