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Flood insurance cost · ZIP 77563 · TX

Flood insurance cost in ZIP 77563 (Hitchcock, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,918 home policies in force on August 31, 2026.

ZIP code 77563 (Hitchcock, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,492a year

Half of insured homes paid between $1,171 and $2,429. That is 23% more than the Galveston County median ($1,214). Most insured homes here are rated in zone AE (84%).

$0$1,171 · $1,492 · $2,429$3,036
+14.3% vs Aug 31, 2025 (median $1,305)
1,918home policies in force
$2,041average cost (mean)
92%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 77563

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		$2,844$1,920–$4,100$3,437140 (7%)+7.1%
Zone AE
High risk		$1,516$1,159–$2,360$1,9991,616 (84%)+13.8%
Zone X
Moderate to low risk		$1,235$1,086–$1,267$1,249161 (8%)+16.6%

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 77563, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,899$1,502$2,044
Manufactured (mobile) home10$828$938
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.		41$1,360$2,204
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		52$4,017$4,037

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

2,011NFIP policies in force, any building
2,011insured units (condo association policies count every unit)
77%of home policies also cover contents
$77,000median contents coverage, when bought

One year on: ZIP code 77563

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 force1,9841,918−3.3%
Median annual cost$1,305$1,492+14.3%
Average annual cost$1,838$2,041+11.0%
All policies in force (any building)2,1312,011−5.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77563 have filed 4,023 flood claims. 3,542 received a payment, for a total of $92.8 million (an average of $26,199 per paid claim). The year with the most claims was 2008 (1,369 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 266 claims, 240 paid, $2,777,108 in total1980: 16 claims, 13 paid, $40,980 in total19801981: 78 claims, 65 paid, $212,973 in total1983: 853 claims, 793 paid, $9,598,565 in total19831989: 39 claims, 23 paid, $106,554 in total19901991: 12 claims1995: 11 claims, 11 paid, $38,625 in total1998: 356 claims, 310 paid, $2,929,874 in total20002001: 35 claims, 26 paid, $295,026 in total2002: 42 claims, 38 paid, $344,365 in total2003: 62 claims, 53 paid, $577,238 in total2006: 43 claims, 38 paid, $476,537 in total2008: 1,369 claims, 1,270 paid, $44,486,269 in total200820102012: 22 claims2017: 411 claims, 355 paid, $24,101,524 in total20172020: 13 claims, 11 paid, $118,053 in total20202021: 30 claims, 16 paid, $239,375 in total2024: 301 claims, 233 paid, $5,601,895 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024301233$5,601,895$24,042
20213016$239,375$14,961
20201311$118,053$10,732
2017411355$24,101,524$67,892
201222<10––
20081,3691,270$44,486,269$35,029
20064338$476,537$12,540
20036253$577,238$10,891
20024238$344,365$9,062
20013526$295,026$11,347
1998356310$2,929,874$9,451
19951111$38,625$3,511
199112<10––
19893923$106,554$4,633
1983853793$9,598,565$12,104
19817865$212,973$3,277
19801613$40,980$3,152
1979266240$2,777,108$11,571

From 2016 to 2026: 755 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

Hitchcock (976 home policies) · Bayou Vista (657 home policies) · Unincorporated Galveston County (285 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.