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Flood insurance cost · ZIP 77581 · TX

Flood insurance cost in ZIP 77581 (Pearland, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,323 home policies in force on August 31, 2026.

ZIP code 77581 (Pearland, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $769 and $1,265. That is about the same as the Brazoria County median ($1,086). Most insured homes here are rated in zone X (75%).

$0$769 · $1,084 · $1,265$1,581
+16.3% vs Aug 31, 2025 (median $932)
4,323home policies in force
$1,086average cost (mean)
25%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 77581

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		$1,204$1,012–$1,571$1,3391,092 (25%)+14.6%
Zone X
Moderate to low risk		$1,078$735–$1,259$1,0013,230 (75%)+15.9%

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 77581, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,277$1,084$1,089
2–4 unit building21$961$1,157
Manufactured (mobile) home12$688$705
Condo or apartment unit13$365$422
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.		20$1,549$2,062
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		255$2,585$2,885
4,598NFIP policies in force, any building
4,598insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77581

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 force4,8014,323−10.0%
Median annual cost$932$1,084+16.3%
Average annual cost$988$1,086+9.9%
All policies in force (any building)5,0904,598−9.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77581 have filed 3,544 flood claims. 2,951 received a payment, for a total of $136.1 million (an average of $46,105 per paid claim). The year with the most claims was 2017 (969 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 387 claims, 357 paid, $4,749,798 in total197919801981: 124 claims, 108 paid, $746,111 in total1983: 178 claims, 128 paid, $1,179,605 in total1985: 41 claims, 33 paid, $92,034 in total1989: 216 claims, 168 paid, $1,750,158 in total19901991: 14 claims, 13 paid, $74,682 in total1993: 16 claims, 15 paid, $65,050 in total1994: 356 claims, 336 paid, $12,320,630 in total1997: 30 claims, 25 paid, $172,400 in total1998: 21 claims, 13 paid, $65,995 in total20002001: 633 claims, 551 paid, $18,372,731 in total20012002: 21 claims, 16 paid, $100,611 in total2006: 75 claims, 71 paid, $1,571,017 in total2008: 224 claims, 90 paid, $1,661,579 in total2009: 70 claims, 64 paid, $1,004,220 in total20102015: 21 claims, 16 paid, $200,309 in total2017: 969 claims, 864 paid, $89,349,399 in total20172019: 11 claims2020: 45 claims, 36 paid, $1,525,429 in total20202024: 28 claims, 14 paid, $575,957 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
20242814$575,957$41,140
20204536$1,525,429$42,373
201911<10––
2017969864$89,349,399$103,414
20152116$200,309$12,519
20097064$1,004,220$15,691
200822490$1,661,579$18,462
20067571$1,571,017$22,127
20022116$100,611$6,288
2001633551$18,372,731$33,344
19982113$65,995$5,077
19973025$172,400$6,896
1994356336$12,320,630$36,669
19931615$65,050$4,337
19911413$74,682$5,745
1989216168$1,750,158$10,418
19854133$92,034$2,789
1983178128$1,179,605$9,216
1981124108$746,111$6,908
1979387357$4,749,798$13,305

From 2016 to 2026: 1,053 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

Pearland (3,887 home policies) · Brookside Village (272 home policies) · Unincorporated Brazoria County (148 home policies) · Unincorporated Harris County (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.