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Flood insurance cost · ZIP 77584 · TX

Flood insurance cost in ZIP 77584 (Pearland, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,693 home policies in force on August 31, 2026.

ZIP code 77584 (Pearland, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$951a year

Half of insured homes paid between $747 and $1,171. That is 12% less than the Brazoria County median ($1,086). Most insured homes here are rated in zone X (82%).

$0$747 · $951 · $1,171$1,464
+4.3% vs Aug 31, 2025 (median $912)
5,693home policies in force
$956average cost (mean)
18%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 77584

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		$992$771–$1,175$9901,044 (18%)+9.5%
Zone X
Moderate to low risk		$937$742–$1,169$9484,644 (82%)+2.2%

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 77584, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,618$956$960
2–4 unit building10$1,032$1,048
Manufactured (mobile) home20$957$984
Condo or apartment unit45$393$429
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.		67$3,150$2,689
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		182$1,774$2,005
5,942NFIP policies in force, any building
5,942insured 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 77584

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 force6,2885,693−9.5%
Median annual cost$912$951+4.3%
Average annual cost$889$956+7.5%
All policies in force (any building)6,5325,942−9.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77584 have filed 2,036 flood claims. 1,560 received a payment, for a total of $55.8 million (an average of $35,781 per paid claim). The year with the most claims was 2017 (492 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 178 claims, 171 paid, $2,071,449 in total19801981: 20 claims, 20 paid, $68,145 in total1983: 53 claims, 33 paid, $98,001 in total1985: 14 claims, 12 paid, $42,756 in total1989: 182 claims, 158 paid, $1,955,628 in total19901994: 177 claims, 168 paid, $3,503,134 in total1997: 17 claims, 13 paid, $75,755 in total1998: 20 claims, 11 paid, $130,378 in total20002001: 433 claims, 380 paid, $11,646,986 in total20012002: 35 claims, 27 paid, $387,523 in total2006: 55 claims, 47 paid, $1,494,444 in total2008: 222 claims, 53 paid, $1,754,317 in total20082009: 13 claims, 12 paid, $122,922 in total20102015: 23 claims, 15 paid, $304,219 in total2017: 492 claims, 387 paid, $31,250,111 in total201720202024: 25 claims, 12 paid, $489,148 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242512$489,148$40,762
2017492387$31,250,111$80,750
20152315$304,219$20,281
20091312$122,922$10,244
200822253$1,754,317$33,100
20065547$1,494,444$31,797
20023527$387,523$14,353
2001433380$11,646,986$30,650
19982011$130,378$11,853
19971713$75,755$5,827
1994177168$3,503,134$20,852
1989182158$1,955,628$12,377
19851412$42,756$3,563
19835333$98,001$2,970
19812020$68,145$3,407
1979178171$2,071,449$12,114

From 2016 to 2026: 517 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 (4,681 home policies) · Unincorporated Brazoria County (1,006 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.