Menu

Flood insurance cost · ZIP 77657 · TX

Flood insurance cost in ZIP 77657 (Lumberton, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,422 home policies in force on August 31, 2026.

ZIP code 77657 (Lumberton, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$766a year

Half of insured homes paid between $612 and $1,084. That is 20% less than the Hardin County median ($955). Most insured homes here are rated in zone X (88%).

$0$612 · $766 · $1,084$1,355
+1.1% vs Aug 31, 2025 (median $758)
1,422home policies in force
$870average cost (mean)
12%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 77657

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		$1,104$709–$1,490$1,183140 (10%)+5.3%
Zone A
High risk		$1,385$1,067–$1,666$1,39424 (2%)−1.7%
Zone X
Moderate to low risk		$743$601–$1,078$8251,258 (88%)+1.2%

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 77657, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,392$766$871
Manufactured (mobile) home21$866$920
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		45$1,473$1,759

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

1,469NFIP policies in force, any building
1,469insured units (condo association policies count every unit)
97%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 77657

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 force1,5201,422−6.4%
Median annual cost$758$766+1.1%
Average annual cost$817$870+6.5%
All policies in force (any building)1,5741,469−6.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77657 have filed 940 flood claims. 812 received a payment, for a total of $70.6 million (an average of $86,940 per paid claim). The year with the most claims was 2017 (311 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 10 claims, 10 paid, $53,770 in total19801983: 10 claims1989: 41 claims, 37 paid, $594,589 in total19901994: 65 claims, 61 paid, $2,429,560 in total20002001: 42 claims, 37 paid, $584,145 in total2002: 29 claims, 27 paid, $280,121 in total2003: 13 claims, 12 paid, $125,613 in total2005: 74 claims, 48 paid, $1,447,363 in total20052006: 97 claims, 90 paid, $3,618,914 in total20062007: 41 claims, 37 paid, $629,563 in total2008: 24 claims, 16 paid, $237,654 in total20102013: 10 claims2015: 44 claims, 38 paid, $899,648 in total2016: 21 claims, 19 paid, $392,353 in total2017: 311 claims, 286 paid, $56,327,444 in total20172019: 18 claims, 14 paid, $417,647 in total20202024: 19 claims, 19 paid, $1,544,630 in total2026: 12 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202612<10––
20241919$1,544,630$81,296
20191814$417,647$29,832
2017311286$56,327,444$196,949
20162119$392,353$20,650
20154438$899,648$23,675
201310<10––
20082416$237,654$14,853
20074137$629,563$17,015
20069790$3,618,914$40,210
20057448$1,447,363$30,153
20031312$125,613$10,468
20022927$280,121$10,375
20014237$584,145$15,788
19946561$2,429,560$39,829
19894137$594,589$16,070
198310<10––
19791010$53,770$5,377

From 2016 to 2026: 381 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

Lumberton (789 home policies) · Unincorporated Hardin County (574 home policies) · Rose Hill Acres (57 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.