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Flood insurance cost · ZIP 77642 · TX

Flood insurance cost in ZIP 77642 (Port Arthur, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,514 home policies in force on August 31, 2026.

ZIP code 77642 (Port Arthur, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,227a year

Half of insured homes paid between $1,080 and $1,269. That is 7% more than the Jefferson County median ($1,147). Most insured homes here are rated in zone X (71%).

$0$1,080 · $1,227 · $1,269$1,586
+16.7% vs Aug 31, 2025 (median $1,051)
2,514home policies in force
$1,252average cost (mean)
29%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 77642

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		$1,230$1,130–$1,435$1,336724 (29%)+16.8%
Zone X
Moderate to low risk		$1,208$1,079–$1,266$1,2111,781 (71%)+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 77642, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,434$1,227$1,263
2–4 unit building47$1,267$1,274
Condo or apartment unit33$389$456
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.		244$1,501$1,673
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		285$3,210$3,823

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,043NFIP policies in force, any building
3,153insured units (condo association policies count every unit)
94%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: ZIP code 77642

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 force2,8022,514−10.3%
Median annual cost$1,051$1,227+16.7%
Average annual cost$1,093$1,252+14.5%
All policies in force (any building)3,3553,043−9.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77642 have filed 4,366 flood claims. 3,450 received a payment, for a total of $322.4 million (an average of $93,441 per paid claim). The year with the most claims was 2017 (2,196 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 162 claims, 124 paid, $456,930 in total1980: 349 claims, 298 paid, $1,275,916 in total19801982: 25 claims, 16 paid, $36,960 in total1983: 45 claims, 29 paid, $77,588 in total1985: 20 claims, 12 paid, $26,373 in total1989: 55 claims, 34 paid, $105,127 in total19901994: 38 claims, 28 paid, $106,914 in total1998: 15 claims, 11 paid, $71,833 in total20002001: 21 claims, 12 paid, $63,349 in total2002: 51 claims, 41 paid, $427,818 in total2004: 18 claims, 13 paid, $77,246 in total2005: 528 claims, 246 paid, $7,299,783 in total20052006: 36 claims, 31 paid, $243,068 in total2007: 19 claims2008: 436 claims, 285 paid, $11,600,128 in total200820102014: 65 claims, 53 paid, $876,458 in total2015: 27 claims, 19 paid, $160,925 in total2016: 12 claims2017: 2,196 claims, 2,073 paid, $297,325,971 in total20172018: 66 claims, 52 paid, $887,991 in total2019: 39 claims, 15 paid, $423,348 in total2020: 21 claims20202021: 14 claims2022: 18 claims2024: 14 claims
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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202414<10––
202218<10––
202114<10––
202021<10––
20193915$423,348$28,223
20186652$887,991$17,077
20172,1962,073$297,325,971$143,428
201612<10––
20152719$160,925$8,470
20146553$876,458$16,537
2008436285$11,600,128$40,702
200719<10––
20063631$243,068$7,841
2005528246$7,299,783$29,674
20041813$77,246$5,942
20025141$427,818$10,435
20012112$63,349$5,279
19981511$71,833$6,530
19943828$106,914$3,818
19895534$105,127$3,092
19852012$26,373$2,198
19834529$77,588$2,675
19822516$36,960$2,310
1980349298$1,275,916$4,282
1979162124$456,930$3,685

From 2016 to 2026: 2,380 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 (2,507 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.