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Flood insurance cost · ZIP 77551 · TX

Flood insurance cost in ZIP 77551 (Galveston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,399 home policies in force on August 31, 2026.

ZIP code 77551 (Galveston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,599a year

Half of insured homes paid between $1,138 and $2,462. That is 32% more than the Galveston County median ($1,214). Most insured homes here are rated in zone AE (89%).

$0$1,138 · $1,599 · $2,462$3,078
+5.1% vs Aug 31, 2025 (median $1,522)
3,399home policies in force
$1,966average cost (mean)
91%of insured homes in high-risk zones (A, V)
$233,000median 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 77551

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		$2,196$1,248–$5,036$3,38726 (1%)+2.9%
Zone AE
High risk		$1,729$1,173–$2,566$2,0403,040 (89%)+6.5%
Zone AO
High risk, shallow		$1,142$771–$1,230$1,14318 (1%)+11.2%
Zone X
Moderate to low risk		$1,227$1,079–$1,267$1,186315 (9%)+16.4%

Not shown (fewer than 10 home policies): 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 77551, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,120$1,688$2,046
2–4 unit building84$1,366$1,687
Condo or apartment unit195$710$817
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.		198$2,933$4,823
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		234$4,220$5,748

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,831NFIP policies in force, any building
5,180insured units (condo association policies count every unit)
79%of home policies also cover contents
$62,000median contents coverage, when bought

One year on: ZIP code 77551

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 force3,4653,399−1.9%
Median annual cost$1,522$1,599+5.1%
Average annual cost$1,843$1,966+6.7%
All policies in force (any building)3,9003,831−1.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77551 have filed 6,508 flood claims. 5,341 received a payment, for a total of $358.5 million (an average of $67,117 per paid claim). The year with the most claims was 2008 (3,832 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 77 claims, 52 paid, $232,786 in total1980: 19 claims, 14 paid, $78,880 in total19801981: 231 claims, 195 paid, $688,030 in total1983: 997 claims, 658 paid, $4,422,363 in total19831988: 10 claims1989: 92 claims, 49 paid, $247,240 in total19901991: 15 claims, 12 paid, $23,836 in total1995: 10 claims1996: 13 claims1997: 34 claims, 30 paid, $120,122 in total1998: 380 claims, 290 paid, $2,493,980 in total199820002001: 22 claims2002: 89 claims, 73 paid, $405,414 in total2003: 56 claims, 38 paid, $291,459 in total2005: 27 claims2006: 11 claims2008: 3,832 claims, 3,558 paid, $340,563,115 in total200820102015: 18 claims2016: 28 claims, 15 paid, $324,358 in total2017: 269 claims, 159 paid, $5,564,333 in total2018: 37 claims, 29 paid, $571,533 in total2019: 32 claims, 22 paid, $289,050 in total2020: 29 claims, 17 paid, $281,716 in total20202021: 16 claims2024: 109 claims, 60 paid, $1,187,010 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410960$1,187,010$19,784
202116<10––
20202917$281,716$16,572
20193222$289,050$13,139
20183729$571,533$19,708
2017269159$5,564,333$34,996
20162815$324,358$21,624
201518<10––
20083,8323,558$340,563,115$95,718
200611<10––
200527<10––
20035638$291,459$7,670
20028973$405,414$5,554
200122<10––
1998380290$2,493,980$8,600
19973430$120,122$4,004
199613<10––
199510<10––
19911512$23,836$1,986
19899249$247,240$5,046
198810<10––
1983997658$4,422,363$6,721
1981231195$688,030$3,528
19801914$78,880$5,634
19797752$232,786$4,477

From 2016 to 2026: 520 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

Galveston (3,390 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.