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Flood insurance cost · ZIP 77566 · TX

Flood insurance cost in ZIP 77566 (Lake Jackson, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,645 home policies in force on August 31, 2026.

ZIP code 77566 (Lake Jackson, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,086 and $1,269. That is 14% more than the Brazoria County median ($1,086). Most insured homes here are rated in zone X (67%).

$0$1,086 · $1,234 · $1,269$1,586
+16.2% vs Aug 31, 2025 (median $1,062)
2,645home policies in force
$1,292average cost (mean)
33%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 77566

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		$1,234$1,134–$1,700$1,490872 (33%)+15.7%
Zone X
Moderate to low risk		$1,234$1,084–$1,267$1,1941,772 (67%)+16.2%

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 77566, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,632$1,234$1,296
Condo or apartment unit10$369$355
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		108$2,892$3,102

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association).

2,756NFIP policies in force, any building
2,756insured units (condo association policies count every unit)
97%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77566

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 force2,9342,645−9.9%
Median annual cost$1,062$1,234+16.2%
Average annual cost$1,133$1,292+14.0%
All policies in force (any building)3,0372,756−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77566 have filed 1,067 flood claims. 794 received a payment, for a total of $46.6 million (an average of $58,680 per paid claim). The year with the most claims was 2017 (296 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 232 claims, 184 paid, $1,133,836 in total19791980: 12 claims19801981: 14 claims1982: 45 claims, 32 paid, $144,320 in total1983: 12 claims1984: 23 claims, 15 paid, $111,216 in total19901991: 24 claims, 15 paid, $114,434 in total1992: 14 claims, 12 paid, $88,027 in total1998: 37 claims, 22 paid, $379,106 in total20002002: 122 claims, 94 paid, $1,299,928 in total20022006: 10 claims2008: 23 claims20102015: 11 claims, 11 paid, $171,462 in total2016: 92 claims, 73 paid, $3,865,341 in total2017: 296 claims, 266 paid, $38,478,022 in total20172019: 14 claims20202024: 13 claims
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
202413<10––
201914<10––
2017296266$38,478,022$144,654
20169273$3,865,341$52,950
20151111$171,462$15,587
200823<10––
200610<10––
200212294$1,299,928$13,829
19983722$379,106$17,232
19921412$88,027$7,336
19912415$114,434$7,629
19842315$111,216$7,414
198312<10––
19824532$144,320$4,510
198114<10––
198012<10––
1979232184$1,133,836$6,162

From 2016 to 2026: 415 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

Lake Jackson (2,020 home policies) · Unincorporated Brazoria County (527 home policies) · Richwood (96 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.