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Flood insurance cost · ZIP 77630 · TX

Flood insurance cost in ZIP 77630 (unincorporated Orange County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,351 home policies in force on August 31, 2026.

ZIP code 77630 (unincorporated Orange County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,263a year

Half of insured homes paid between $1,084 and $1,430. That is 3% more than the Orange County median ($1,230). Most insured homes here are rated in zone X (62%).

$0$1,084 · $1,263 · $1,430$1,788
+16.8% vs Aug 31, 2025 (median $1,081)
3,351home policies in force
$1,459average cost (mean)
38%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 77630

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		$1,520$1,191–$2,329$1,8891,080 (32%)+12.2%
Zone A
High risk		$1,234$1,072–$1,356$1,298190 (6%)+14.0%
Zone X
Moderate to low risk		$1,246$1,084–$1,266$1,2512,081 (62%)+15.5%

Not shown (fewer than 10 home policies): VE, 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 77630, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,161$1,263$1,469
2–4 unit building65$1,358$1,419
Manufactured (mobile) home116$1,068$1,314
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.		42$1,582$2,801
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		334$4,780$5,637

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

3,727NFIP policies in force, any building
3,727insured 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 77630

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 force3,5913,351−6.7%
Median annual cost$1,081$1,263+16.8%
Average annual cost$1,285$1,459+13.5%
All policies in force (any building)3,9753,727−6.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77630 have filed 3,727 flood claims. 3,035 received a payment, for a total of $279.5 million (an average of $92,092 per paid claim). The year with the most claims was 2017 (1,535 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 20 claims, 17 paid, $46,961 in total19801982: 15 claims, 12 paid, $34,934 in total1989: 46 claims, 39 paid, $401,262 in total19901992: 12 claims, 10 paid, $105,520 in total1994: 10 claims1998: 19 claims, 15 paid, $161,212 in total20002002: 64 claims, 55 paid, $1,347,265 in total2005: 171 claims, 36 paid, $643,981 in total2006: 12 claims, 11 paid, $91,339 in total2008: 1,289 claims, 1,157 paid, $99,230,677 in total200820102012: 22 claims, 17 paid, $270,729 in total2016: 88 claims, 64 paid, $3,211,461 in total2017: 1,535 claims, 1,281 paid, $148,755,796 in total20172019: 269 claims, 248 paid, $23,791,599 in total20192020: 45 claims, 10 paid, $325,498 in total2020
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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20204510$325,498$32,550
2019269248$23,791,599$95,934
20171,5351,281$148,755,796$116,125
20168864$3,211,461$50,179
20122217$270,729$15,925
20081,2891,157$99,230,677$85,765
20061211$91,339$8,304
200517136$643,981$17,888
20026455$1,347,265$24,496
19981915$161,212$10,747
199410<10––
19921210$105,520$10,552
19894639$401,262$10,289
19821512$34,934$2,911
19792017$46,961$2,762

From 2016 to 2026: 1,937 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

Unincorporated Orange County (1,856 home policies) · Orange (887 home policies) · West Orange (346 home policies) · Pinehurst (218 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.