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Flood insurance cost · ZIP 77587 · TX

Flood insurance cost in ZIP 77587 (South Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 500 home policies in force on August 31, 2026.

ZIP code 77587 (South Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,246a year

Half of insured homes paid between $1,072 and $1,452. That is 15% more than the Harris County median ($1,088). The most common flood zone for insured homes here is zone X (42%).

$0$1,072 · $1,246 · $1,452$1,815
+15.2% vs Aug 31, 2025 (median $1,082)
500home policies in force
$1,267average cost (mean)
58%of insured homes in high-risk zones (A, V)
$184,500median 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 77587

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		$1,289$1,128–$1,547$1,349117 (23%)+6.5%
Zone AO
High risk, shallow		$1,313$1,054–$1,556$1,313175 (35%)+6.0%
Zone X
Moderate to low risk		$1,166$1,047–$1,266$1,183208 (42%)+16.0%

Not shown (fewer than 10 home policies): VE, A, 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 77587, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home487$1,245$1,262
2–4 unit building12$1,476$1,512
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		130$2,187$2,659

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

635NFIP policies in force, any building
635insured units (condo association policies count every unit)
84%of home policies also cover contents
$59,000median contents coverage, when bought

One year on: ZIP code 77587

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 force555500−9.9%
Median annual cost$1,082$1,246+15.2%
Average annual cost$1,153$1,267+9.9%
All policies in force (any building)688635−7.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77587 have filed 1,234 flood claims. 1,055 received a payment, for a total of $38.7 million (an average of $36,694 per paid claim). The year with the most claims was 2017 (418 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 45 claims, 37 paid, $188,557 in total19801981: 69 claims, 61 paid, $302,128 in total1983: 63 claims, 44 paid, $263,008 in total1987: 11 claims1989: 63 claims, 57 paid, $721,460 in total19901994: 19 claims, 14 paid, $426,576 in total1995: 12 claims, 10 paid, $51,556 in total1996: 11 claims, 10 paid, $380,133 in total1997: 60 claims, 45 paid, $1,309,969 in total1998: 40 claims, 36 paid, $210,851 in total1999: 20 claims, 15 paid, $84,457 in total20002001: 162 claims, 150 paid, $3,345,313 in total20012006: 102 claims, 92 paid, $2,262,953 in total20062007: 20 claims, 15 paid, $92,186 in total2008: 36 claims, 15 paid, $394,171 in total2009: 19 claims, 16 paid, $233,419 in total20102017: 418 claims, 388 paid, $27,335,343 in total20172020
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
2017418388$27,335,343$70,452
20091916$233,419$14,589
20083615$394,171$26,278
20072015$92,186$6,146
200610292$2,262,953$24,597
2001162150$3,345,313$22,302
19992015$84,457$5,630
19984036$210,851$5,857
19976045$1,309,969$29,110
19961110$380,133$38,013
19951210$51,556$5,156
19941914$426,576$30,470
19896357$721,460$12,657
198711<10––
19836344$263,008$5,977
19816961$302,128$4,953
19794537$188,557$5,096

From 2016 to 2026: 418 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

South Houston (500 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.