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Flood insurance cost · ZIP 77586 · TX

Flood insurance cost in ZIP 77586 (Seabrook, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,812 home policies in force on August 31, 2026.

ZIP code 77586 (Seabrook, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,427a year

Half of insured homes paid between $1,256 and $2,108. That is 31% more than the Harris County median ($1,088). Most insured homes here are rated in zone AE (71%).

$0$1,256 · $1,427 · $2,108$2,635
+17.0% vs Aug 31, 2025 (median $1,220)
4,812home policies in force
$1,800average cost (mean)
79%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 77586

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		$1,960$1,269–$3,352$2,464358 (7%)+13.8%
Zone AE
High risk		$1,558$1,305–$2,268$1,8873,430 (71%)+12.7%
Zone X
Moderate to low risk		$1,263$1,086–$1,267$1,2741,023 (21%)+16.8%

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 77586, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,680$1,428$1,817
2–4 unit building28$2,016$2,006
Condo or apartment unit104$873$969
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.		167$5,320$5,224
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		180$3,852$4,781

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

5,159NFIP policies in force, any building
5,684insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77586

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 force5,0154,812−4.0%
Median annual cost$1,220$1,427+17.0%
Average annual cost$1,621$1,800+11.0%
All policies in force (any building)5,3795,159−4.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77586 have filed 4,792 flood claims. 3,632 received a payment, for a total of $161.1 million (an average of $44,359 per paid claim). The year with the most claims was 2008 (1,644 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 589 claims, 489 paid, $4,686,107 in total19791980: 102 claims, 80 paid, $478,672 in total19801981: 68 claims, 59 paid, $318,123 in total1982: 22 claims, 17 paid, $81,445 in total1983: 462 claims, 347 paid, $8,595,729 in total1984: 14 claims1985: 20 claims1987: 10 claims1989: 507 claims, 310 paid, $3,377,723 in total198919901993: 24 claims, 10 paid, $151,489 in total1994: 14 claims1995: 66 claims, 47 paid, $496,544 in total1997: 55 claims, 42 paid, $894,683 in total1998: 208 claims, 165 paid, $3,172,319 in total20002001: 192 claims, 149 paid, $2,005,911 in total2002: 10 claims2003: 51 claims, 40 paid, $561,142 in total2005: 11 claims2006: 18 claims, 12 paid, $246,747 in total2008: 1,644 claims, 1,331 paid, $113,794,433 in total20082009: 92 claims, 73 paid, $960,506 in total20102015: 18 claims, 12 paid, $87,658 in total2017: 441 claims, 337 paid, $19,827,121 in total2019: 19 claims, 12 paid, $147,004 in total20202021: 16 claims, 10 paid, $218,003 in total2024: 33 claims, 15 paid, $544,477 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243315$544,477$36,298
20211610$218,003$21,800
20191912$147,004$12,250
2017441337$19,827,121$58,834
20151812$87,658$7,305
20099273$960,506$13,158
20081,6441,331$113,794,433$85,495
20061812$246,747$20,562
200511<10––
20035140$561,142$14,029
200210<10––
2001192149$2,005,911$13,462
1998208165$3,172,319$19,226
19975542$894,683$21,302
19956647$496,544$10,565
199414<10––
19932410$151,489$15,149
1989507310$3,377,723$10,896
198710<10––
198520<10––
198414<10––
1983462347$8,595,729$24,772
19822217$81,445$4,791
19816859$318,123$5,392
198010280$478,672$5,983
1979589489$4,686,107$9,583

From 2016 to 2026: 509 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

Seabrook (2,693 home policies) · Taylor Lake Village (923 home policies) · El Lago (637 home policies) · Pasadena (537 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.