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Flood insurance cost · ZIP 77575 · TX

Flood insurance cost in ZIP 77575 (Liberty, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 473 home policies in force on August 31, 2026.

ZIP code 77575 (Liberty, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$695a year

Half of insured homes paid between $561 and $958. That is 15% less than the Liberty County median ($813). Most insured homes here are rated in zone X (67%).

$0$561 · $695 · $958$1,198
+0.9% vs Aug 31, 2025 (median $689)
473home policies in force
$802average 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 77575

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		$754$564–$1,079$868130 (27%)+4.7%
Zone A
High risk		$1,142$691–$1,377$1,14426 (5%)+21.5%
Zone X
Moderate to low risk		$681$555–$874$747317 (67%)+1.3%

Not shown (fewer than 10 home policies): VE, 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 77575, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home440$692$781
Manufactured (mobile) home29$902$1,129
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.		16$2,400$2,129
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		57$1,569$2,214

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

546NFIP policies in force, any building
546insured units (condo association policies count every unit)
95%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77575

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 force513473−7.8%
Median annual cost$689$695+0.9%
Average annual cost$770$802+4.2%
All policies in force (any building)597546−8.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77575 have filed 999 flood claims. 867 received a payment, for a total of $36.4 million (an average of $41,954 per paid claim). The year with the most claims was 2019 (158 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 31 claims, 30 paid, $234,304 in total19801981: 19 claims, 13 paid, $65,056 in total1989: 35 claims, 32 paid, $448,203 in total1990: 34 claims, 33 paid, $398,591 in total19901991: 30 claims, 19 paid, $129,464 in total1992: 27 claims, 24 paid, $109,347 in total1994: 121 claims, 112 paid, $3,672,070 in total1996: 13 claims, 13 paid, $31,628 in total1998: 13 claims2000: 127 claims, 114 paid, $3,728,870 in total200020002006: 34 claims, 31 paid, $556,960 in total2008: 16 claims20102015: 55 claims, 48 paid, $1,860,461 in total2016: 15 claims, 13 paid, $224,319 in total2017: 146 claims, 126 paid, $8,991,047 in total20172019: 158 claims, 149 paid, $11,527,385 in total201920202024: 46 claims, 43 paid, $3,747,420 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244643$3,747,420$87,149
2019158149$11,527,385$77,365
2017146126$8,991,047$71,358
20161513$224,319$17,255
20155548$1,860,461$38,760
200816<10––
20063431$556,960$17,966
2000127114$3,728,870$32,709
199813<10––
19961313$31,628$2,433
1994121112$3,672,070$32,786
19922724$109,347$4,556
19913019$129,464$6,814
19903433$398,591$12,079
19893532$448,203$14,006
19811913$65,056$5,004
19793130$234,304$7,810

From 2016 to 2026: 365 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

Liberty (249 home policies) · Unincorporated Liberty County (196 home policies) · Ames (14 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.