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Flood insurance cost · ZIP 77640 · TX

Flood insurance cost in ZIP 77640 (Port Arthur, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,488 home policies in force on August 31, 2026.

ZIP code 77640 (Port Arthur, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,234a year

Half of insured homes paid between $1,082 and $1,287. That is 8% more than the Jefferson County median ($1,147). Most insured homes here are rated in zone X (77%).

$0$1,082 · $1,234 · $1,287$1,609
+16.9% vs Aug 31, 2025 (median $1,056)
1,488home policies in force
$1,295average cost (mean)
23%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 77640

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		$1,546$1,351–$2,270$2,15418 (1%)+9.9%
Zone AH
High risk, shallow		$1,359$1,145–$1,705$1,435321 (22%)+11.9%
Zone X
Moderate to low risk		$1,229$1,080–$1,267$1,2361,148 (77%)+16.9%

Not shown (fewer than 10 home policies): VE, 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 77640, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,476$1,234$1,297
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.		59$1,335$2,015
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		185$4,136$5,059

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

1,732NFIP policies in force, any building
1,802insured units (condo association policies count every unit)
93%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 77640

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 force1,6341,488−8.9%
Median annual cost$1,056$1,234+16.9%
Average annual cost$1,143$1,295+13.3%
All policies in force (any building)1,8741,732−7.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77640 have filed 2,492 flood claims. 1,926 received a payment, for a total of $118.4 million (an average of $61,481 per paid claim). The year with the most claims was 2017 (997 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 149 claims, 123 paid, $548,636 in total1980: 279 claims, 233 paid, $1,090,611 in total198019801982: 39 claims, 27 paid, $86,101 in total1983: 37 claims, 20 paid, $52,209 in total1989: 41 claims, 30 paid, $100,832 in total19901994: 24 claims, 17 paid, $34,480 in total1995: 12 claims, 11 paid, $52,273 in total20002001: 15 claims2002: 74 claims, 65 paid, $1,328,217 in total2005: 361 claims, 196 paid, $6,073,230 in total20052006: 10 claims2008: 197 claims, 117 paid, $11,908,396 in total20102014: 35 claims, 31 paid, $809,794 in total2015: 16 claims2017: 997 claims, 904 paid, $93,803,049 in total20172018: 34 claims, 25 paid, $337,416 in total2019: 53 claims, 41 paid, $943,100 in total2020: 19 claims20202021: 22 claims, 17 paid, $436,911 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20212217$436,911$25,701
202019<10––
20195341$943,100$23,002
20183425$337,416$13,497
2017997904$93,803,049$103,764
201516<10––
20143531$809,794$26,122
2008197117$11,908,396$101,781
200610<10––
2005361196$6,073,230$30,986
20027465$1,328,217$20,434
200115<10––
19951211$52,273$4,752
19942417$34,480$2,028
19894130$100,832$3,361
19833720$52,209$2,610
19823927$86,101$3,189
1980279233$1,090,611$4,681
1979149123$548,636$4,460

From 2016 to 2026: 1,125 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

Port Arthur (1,479 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.