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Flood insurance cost · ZIP 77619 · TX

Flood insurance cost in ZIP 77619 (Groves, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,673 home policies in force on August 31, 2026.

ZIP code 77619 (Groves, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,244a year

Half of insured homes paid between $1,084 and $1,267. That is 8% more than the Jefferson County median ($1,147). Most insured homes here are rated in zone X (89%).

$0$1,084 · $1,244 · $1,267$1,584
+17.7% vs Aug 31, 2025 (median $1,057)
1,673home policies in force
$1,240average cost (mean)
11%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 77619

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 AH
High risk, shallow		$1,274$1,130–$1,466$1,333178 (11%)+17.5%
Zone X
Moderate to low risk		$1,239$1,084–$1,266$1,2281,495 (89%)+17.3%

Not shown (fewer than 10 home policies): VE, AE, 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 77619, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,637$1,244$1,239
2–4 unit building28$1,310$1,460
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		58$3,542$3,990

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

1,735NFIP policies in force, any building
1,735insured units (condo association policies count every unit)
96%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77619

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 force1,8371,673−8.9%
Median annual cost$1,057$1,244+17.7%
Average annual cost$1,061$1,240+16.9%
All policies in force (any building)1,9021,735−8.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77619 have filed 1,721 flood claims. 1,342 received a payment, for a total of $88.0 million (an average of $65,545 per paid claim). The year with the most claims was 2017 (881 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 87 claims, 66 paid, $234,582 in total19791980: 69 claims, 52 paid, $131,438 in total19801982: 19 claims, 14 paid, $22,603 in total1983: 23 claims, 12 paid, $18,973 in total19901994: 16 claims, 11 paid, $33,643 in total20002002: 18 claims, 15 paid, $65,262 in total2005: 314 claims, 165 paid, $4,249,329 in total20052006: 32 claims, 29 paid, $342,426 in total2008: 62 claims, 13 paid, $182,256 in total20102014: 27 claims, 21 paid, $236,910 in total2017: 881 claims, 819 paid, $78,992,897 in total20172018: 16 claims, 13 paid, $233,847 in total2019: 24 claims, 18 paid, $290,730 in total20202026: 63 claims, 60 paid, $2,778,896 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20266360$2,778,896$46,315
20192418$290,730$16,152
20181613$233,847$17,988
2017881819$78,992,897$96,450
20142721$236,910$11,281
20086213$182,256$14,020
20063229$342,426$11,808
2005314165$4,249,329$25,754
20021815$65,262$4,351
19941611$33,643$3,058
19832312$18,973$1,581
19821914$22,603$1,614
19806952$131,438$2,528
19798766$234,582$3,554

From 2016 to 2026: 984 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

Groves (1,663 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.