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Flood insurance cost · ZIP 77627 · TX

Flood insurance cost in ZIP 77627 (Nederland, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,324 home policies in force on August 31, 2026.

ZIP code 77627 (Nederland, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,127a year

Half of insured homes paid between $1,000 and $1,263. That is about the same as the Jefferson County median ($1,147). Most insured homes here are rated in zone X (99%).

$0$1,000 · $1,127 · $1,263$1,579
+10.3% vs Aug 31, 2025 (median $1,022)
2,324home policies in force
$1,116average cost (mean)
1%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 77627

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		$1,283$1,126–$1,364$1,28921 (1%)+6.7%
Zone X
Moderate to low risk		$1,123$997–$1,263$1,1142,302 (99%)+10.0%

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 77627, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,275$1,129$1,118
2–4 unit building25$1,195$1,213
Manufactured (mobile) home11$1,074$1,161
Condo or apartment unit13$355$477
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.		14$1,785$1,730
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		142$2,551$2,942
2,480NFIP policies in force, any building
2,480insured units (condo association policies count every unit)
98%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77627

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 force2,5442,324−8.6%
Median annual cost$1,022$1,127+10.3%
Average annual cost$999$1,116+11.7%
All policies in force (any building)2,7102,480−8.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77627 have filed 2,067 flood claims. 1,590 received a payment, for a total of $76.6 million (an average of $48,207 per paid claim). The year with the most claims was 2017 (638 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 22 claims, 17 paid, $32,213 in total1980: 102 claims, 83 paid, $273,684 in total19801983: 19 claims, 10 paid, $17,307 in total1989: 12 claims19901994: 32 claims, 26 paid, $186,240 in total1995: 67 claims, 60 paid, $547,663 in total1998: 11 claims, 11 paid, $70,752 in total2000: 125 claims, 111 paid, $1,504,166 in total20002001: 32 claims, 23 paid, $141,012 in total2002: 30 claims, 20 paid, $132,010 in total2005: 501 claims, 302 paid, $11,413,864 in total20052006: 15 claims, 12 paid, $105,222 in total2008: 75 claims, 14 paid, $204,234 in total2009: 17 claims, 14 paid, $75,228 in total20102015: 25 claims, 22 paid, $682,205 in total2017: 638 claims, 559 paid, $42,260,528 in total20172019: 256 claims, 242 paid, $18,332,412 in total20192020: 11 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202011<10––
2019256242$18,332,412$75,754
2017638559$42,260,528$75,600
20152522$682,205$31,009
20091714$75,228$5,373
20087514$204,234$14,588
20061512$105,222$8,768
2005501302$11,413,864$37,794
20023020$132,010$6,600
20013223$141,012$6,131
2000125111$1,504,166$13,551
19981111$70,752$6,432
19956760$547,663$9,128
19943226$186,240$7,163
198912<10––
19831910$17,307$1,731
198010283$273,684$3,297
19792217$32,213$1,895

From 2016 to 2026: 905 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

Nederland (1,601 home policies) · Unincorporated Jefferson County (721 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.