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Flood insurance cost · ZIP 77590 · TX

Flood insurance cost in ZIP 77590 (Texas City, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,759 home policies in force on August 31, 2026.

ZIP code 77590 (Texas City, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,228a year

Half of insured homes paid between $1,082 and $1,266. That is about the same as the Galveston County median ($1,214). Most insured homes here are rated in zone X (90%).

$0$1,082 · $1,228 · $1,266$1,582
+16.4% vs Aug 31, 2025 (median $1,055)
1,759home policies in force
$1,201average cost (mean)
10%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 77590

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		$1,244$1,096–$1,411$1,251166 (9%)+13.1%
Zone AH
High risk, shallow		$1,083$1,014–$1,217$1,11211 (1%)+15.7%
Zone X
Moderate to low risk		$1,227$1,082–$1,266$1,1961,581 (90%)+16.7%

Not shown (fewer than 10 home policies): VE, A, AO, 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 77590, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,740$1,229$1,205
2–4 unit building10$1,090$1,216
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.		19$1,595$1,498
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		139$3,179$3,642

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

1,917NFIP policies in force, any building
1,917insured 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 77590

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 force1,9471,759−9.7%
Median annual cost$1,055$1,228+16.4%
Average annual cost$1,043$1,201+15.1%
All policies in force (any building)2,1331,917−10.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77590 have filed 2,633 flood claims. 1,765 received a payment, for a total of $17.0 million (an average of $9,606 per paid claim). The year with the most claims was 1981 (657 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 130 claims, 106 paid, $436,377 in total1980: 11 claims19801981: 657 claims, 549 paid, $2,115,900 in total19811983: 554 claims, 249 paid, $1,058,832 in total19831984: 49 claims, 35 paid, $133,273 in total1986: 30 claims, 24 paid, $62,905 in total1989: 117 claims, 67 paid, $316,772 in total19901991: 29 claims, 27 paid, $103,225 in total1992: 15 claims, 11 paid, $58,882 in total1995: 157 claims, 126 paid, $820,234 in total1998: 69 claims, 46 paid, $349,433 in total20002001: 211 claims, 178 paid, $1,916,070 in total20012002: 49 claims, 34 paid, $266,651 in total2006: 14 claims, 11 paid, $111,929 in total2008: 170 claims, 53 paid, $2,402,123 in total2009: 17 claims, 13 paid, $86,067 in total2010: 13 claims20102015: 20 claims, 13 paid, $113,922 in total2016: 15 claims, 11 paid, $222,295 in total2017: 172 claims, 122 paid, $4,530,205 in total2019: 13 claims2020
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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201913<10––
2017172122$4,530,205$37,133
20161511$222,295$20,209
20152013$113,922$8,763
201013<10––
20091713$86,067$6,621
200817053$2,402,123$45,323
20061411$111,929$10,175
20024934$266,651$7,843
2001211178$1,916,070$10,764
19986946$349,433$7,596
1995157126$820,234$6,510
19921511$58,882$5,353
19912927$103,225$3,823
198911767$316,772$4,728
19863024$62,905$2,621
19844935$133,273$3,808
1983554249$1,058,832$4,252
1981657549$2,115,900$3,854
198011<10––
1979130106$436,377$4,117

From 2016 to 2026: 200 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

Texas City (1,691 home policies) · Unincorporated Galveston County (66 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.