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Flood insurance cost · ZIP 77565 · TX

Flood insurance cost in ZIP 77565 (League City, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,558 home policies in force on August 31, 2026.

ZIP code 77565 (League City, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,308a year

Half of insured homes paid between $1,092 and $1,880. That is 8% more than the Galveston County median ($1,214). Most insured homes here are rated in zone AE (80%).

$0$1,092 · $1,308 · $1,880$2,350
+20.7% vs Aug 31, 2025 (median $1,084)
1,558home policies in force
$1,803average cost (mean)
82%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 77565

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		$1,729$1,268–$3,364$2,50224 (2%)+20.7%
Zone AE
High risk		$1,324$1,088–$2,010$1,8761,247 (80%)+19.7%
Zone X
Moderate to low risk		$1,268$1,087–$1,460$1,425287 (18%)+17.1%

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 77565, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,501$1,310$1,812
2–4 unit building18$1,630$2,394
Condo or apartment unit30$1,062$970
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.		50$5,398$4,514
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		164$3,940$5,057

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

1,772NFIP policies in force, any building
1,882insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77565

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 force1,5961,558−2.4%
Median annual cost$1,084$1,308+20.7%
Average annual cost$1,589$1,803+13.5%
All policies in force (any building)1,8131,772−2.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77565 have filed 3,106 flood claims. 2,629 received a payment, for a total of $87.4 million (an average of $33,253 per paid claim). The year with the most claims was 2008 (982 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 448 claims, 405 paid, $4,352,859 in total19791980: 51 claims, 45 paid, $348,060 in total19801981: 60 claims, 55 paid, $281,045 in total1982: 16 claims, 15 paid, $82,699 in total1983: 425 claims, 358 paid, $5,977,055 in total19831984: 12 claims, 11 paid, $152,133 in total1989: 294 claims, 242 paid, $3,146,489 in total19901994: 10 claims1995: 27 claims, 21 paid, $150,506 in total1997: 29 claims, 23 paid, $197,552 in total1998: 178 claims, 142 paid, $2,321,136 in total20002001: 84 claims, 66 paid, $1,427,125 in total2003: 38 claims, 29 paid, $511,867 in total2006: 11 claims2008: 982 claims, 886 paid, $58,570,158 in total20082009: 17 claims, 11 paid, $169,195 in total20102015: 15 claims, 12 paid, $527,420 in total2017: 294 claims, 212 paid, $7,975,753 in total20202021: 15 claims, 11 paid, $277,219 in total2024: 12 claims, 10 paid, $186,717 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
20241210$186,717$18,672
20211511$277,219$25,202
2017294212$7,975,753$37,621
20151512$527,420$43,952
20091711$169,195$15,381
2008982886$58,570,158$66,106
200611<10––
20033829$511,867$17,651
20018466$1,427,125$21,623
1998178142$2,321,136$16,346
19972923$197,552$8,589
19952721$150,506$7,167
199410<10––
1989294242$3,146,489$13,002
19841211$152,133$13,830
1983425358$5,977,055$16,696
19821615$82,699$5,513
19816055$281,045$5,110
19805145$348,060$7,735
1979448405$4,352,859$10,748

From 2016 to 2026: 321 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

League City (596 home policies) · Kemah (496 home policies) · Clear Lake Shores (358 home policies) · Unincorporated Galveston County (108 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.