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Flood insurance cost · ZIP 77562 · TX

Flood insurance cost in ZIP 77562 (unincorporated Harris County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 466 home policies in force on August 31, 2026.

ZIP code 77562 (unincorporated Harris County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$761a year

Half of insured homes paid between $648 and $890. That is 30% less than the Harris County median ($1,088). Most insured homes here are rated in zone AE (54%).

$0$648 · $761 · $890$1,112
+3.1% vs Aug 31, 2025 (median $738)
466home policies in force
$824average cost (mean)
55%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 77562

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		$715$615–$874$811253 (54%)+3.6%
Zone X
Moderate to low risk		$793$698–$901$815208 (45%)+3.5%

Not shown (fewer than 10 home policies): VE, 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 77562, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home451$759$816
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		46$1,460$2,081

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).

516NFIP policies in force, any building
516insured units (condo association policies count every unit)
86%of home policies also cover contents
$96,000median contents coverage, when bought

One year on: ZIP code 77562

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 force489466−4.7%
Median annual cost$738$761+3.1%
Average annual cost$779$824+5.8%
All policies in force (any building)542516−4.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77562 have filed 1,035 flood claims. 849 received a payment, for a total of $23.3 million (an average of $27,465 per paid claim). The year with the most claims was 2017 (151 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 90 claims, 80 paid, $715,102 in total19801981: 115 claims, 106 paid, $1,008,111 in total19811983: 138 claims, 108 paid, $967,865 in total19831985: 23 claims, 16 paid, $91,700 in total1986: 44 claims, 38 paid, $469,719 in total1987: 40 claims, 36 paid, $329,400 in total1989: 93 claims, 82 paid, $1,582,168 in total19901993: 18 claims, 15 paid, $194,229 in total1994: 101 claims, 97 paid, $5,035,319 in total1998: 66 claims, 51 paid, $627,496 in total20002001: 11 claims2002: 10 claims2008: 36 claims, 17 paid, $514,263 in total2009: 19 claims, 19 paid, $853,057 in total20102015: 23 claims, 23 paid, $1,413,672 in total2017: 151 claims, 104 paid, $8,200,807 in total20172019: 17 claims, 17 paid, $766,159 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20191717$766,159$45,068
2017151104$8,200,807$78,854
20152323$1,413,672$61,464
20091919$853,057$44,898
20083617$514,263$30,251
200210<10––
200111<10––
19986651$627,496$12,304
199410197$5,035,319$51,911
19931815$194,229$12,949
19899382$1,582,168$19,295
19874036$329,400$9,150
19864438$469,719$12,361
19852316$91,700$5,731
1983138108$967,865$8,962
1981115106$1,008,111$9,510
19799080$715,102$8,939

From 2016 to 2026: 168 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 Harris County (466 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.