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Flood insurance cost · ZIP 77611 · TX

Flood insurance cost in ZIP 77611 (Bridge City, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,368 home policies in force on August 31, 2026.

ZIP code 77611 (Bridge City, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,156 and $2,272. That is 3% more than the Orange County median ($1,230). Most insured homes here are rated in zone AE (59%).

$0$1,156 · $1,266 · $2,272$2,840
+16.9% vs Aug 31, 2025 (median $1,083)
2,368home policies in force
$1,837average cost (mean)
60%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 77611

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		$1,474$1,188–$2,945$2,1211,408 (59%)+18.9%
Zone X
Moderate to low risk		$1,260$1,087–$1,267$1,420955 (40%)+16.8%

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 77611, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,274$1,266$1,860
2–4 unit building70$1,288$1,385
Manufactured (mobile) home18$976$1,168
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.		15$1,717$2,336
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		145$5,011$5,126

Not shown (fewer than 10 policies): condo or apartment unit.

2,528NFIP policies in force, any building
2,533insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77611

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 force2,4192,368−2.1%
Median annual cost$1,083$1,266+16.9%
Average annual cost$1,612$1,837+14.0%
All policies in force (any building)2,5812,528−2.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77611 have filed 3,346 flood claims. 2,972 received a payment, for a total of $320.2 million (an average of $107,742 per paid claim). The year with the most claims was 2008 (1,892 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 44 claims, 34 paid, $260,698 in total1980: 70 claims, 59 paid, $213,072 in total19801989: 12 claims19901994: 38 claims, 32 paid, $225,674 in total1998: 24 claims, 20 paid, $220,055 in total20002002: 62 claims, 55 paid, $535,549 in total2003: 13 claims, 11 paid, $152,252 in total2005: 184 claims, 36 paid, $1,028,858 in total20052006: 20 claims, 17 paid, $299,716 in total2007: 10 claims2008: 1,892 claims, 1,863 paid, $247,416,377 in total200820102012: 10 claims2017: 840 claims, 733 paid, $67,102,620 in total20172018: 14 claims, 10 paid, $139,901 in total2019: 11 claims20202024: 19 claims, 18 paid, $746,535 in total2026: 19 claims, 19 paid, $862,457 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261919$862,457$45,392
20241918$746,535$41,474
201911<10––
20181410$139,901$13,990
2017840733$67,102,620$91,545
201210<10––
20081,8921,863$247,416,377$132,805
200710<10––
20062017$299,716$17,630
200518436$1,028,858$28,579
20031311$152,252$13,841
20026255$535,549$9,737
19982420$220,055$11,003
19943832$225,674$7,052
198912<10––
19807059$213,072$3,611
19794434$260,698$7,668

From 2016 to 2026: 903 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

Bridge City (1,948 home policies) · Unincorporated Orange County (419 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.