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Flood insurance cost · ZIP 77632 · TX

Flood insurance cost in ZIP 77632 (unincorporated Orange County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,956 home policies in force on August 31, 2026.

ZIP code 77632 (unincorporated Orange County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $900 and $1,263. That is 12% less than the Orange County median ($1,230). Most insured homes here are rated in zone X (66%).

$0$900 · $1,084 · $1,263$1,579
+14.6% vs Aug 31, 2025 (median $946)
2,956home policies in force
$1,122average cost (mean)
34%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 77632

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		$1,080$844–$1,346$1,202339 (11%)+10.1%
Zone A
High risk		$975$798–$1,180$1,050673 (23%)+6.2%
Zone X
Moderate to low risk		$1,087$971–$1,263$1,1331,944 (66%)+11.1%

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 77632, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,652$1,085$1,132
2–4 unit building16$1,442$1,397
Manufactured (mobile) home275$962$1,038
Condo or apartment unit13$539$495
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.		27$1,470$1,437
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		77$2,177$2,978
3,060NFIP policies in force, any building
3,060insured 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 77632

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 force3,1262,956−5.4%
Median annual cost$946$1,084+14.6%
Average annual cost$1,014$1,122+10.7%
All policies in force (any building)3,2363,060−5.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77632 have filed 2,356 flood claims. 2,093 received a payment, for a total of $218.6 million (an average of $104,461 per paid claim). The year with the most claims was 2017 (1,217 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801989: 36 claims, 29 paid, $181,529 in total19901998: 16 claims, 11 paid, $70,383 in total20002001: 11 claims2002: 51 claims, 42 paid, $586,457 in total2005: 63 claims, 15 paid, $470,253 in total2006: 30 claims, 24 paid, $532,355 in total2007: 10 claims, 10 paid, $85,041 in total2008: 53 claims, 25 paid, $1,617,070 in total20102012: 21 claims, 18 paid, $650,824 in total2016: 104 claims, 93 paid, $8,362,847 in total20162017: 1,217 claims, 1,139 paid, $148,057,970 in total20172019: 661 claims, 637 paid, $57,450,668 in total20192020: 27 claims, 11 paid, $183,867 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202711$183,867$16,715
2019661637$57,450,668$90,189
20171,2171,139$148,057,970$129,989
201610493$8,362,847$89,923
20122118$650,824$36,157
20085325$1,617,070$64,683
20071010$85,041$8,504
20063024$532,355$22,181
20056315$470,253$31,350
20025142$586,457$13,963
200111<10––
19981611$70,383$6,398
19893629$181,529$6,260

From 2016 to 2026: 2,009 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 (2,187 home policies) · Orange (609 home policies) · Unincorporated Newton County (159 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.