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Flood insurance cost · ZIP 77662 · TX

Flood insurance cost in ZIP 77662 (unincorporated Orange County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,472 home policies in force on August 31, 2026.

ZIP code 77662 (unincorporated Orange County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,122a year

Half of insured homes paid between $1,003 and $1,267. That is 9% less than the Orange County median ($1,230). Most insured homes here are rated in zone X (59%).

$0$1,003 · $1,122 · $1,267$1,584
+10.0% vs Aug 31, 2025 (median $1,020)
2,472home policies in force
$1,190average cost (mean)
41%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 77662

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		$1,237$1,035–$1,598$1,362633 (26%)+13.8%
Zone A
High risk		$1,127$976–$1,331$1,184371 (15%)+8.4%
Zone X
Moderate to low risk		$1,086$998–$1,260$1,1171,468 (59%)+11.3%

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 77662, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,215$1,140$1,199
Manufactured (mobile) home243$1,018$1,134
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.		15$1,282$1,481
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		176$2,368$2,782

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

2,663NFIP policies in force, any building
2,663insured 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 77662

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 force2,6682,472−7.3%
Median annual cost$1,020$1,122+10.0%
Average annual cost$1,072$1,190+11.0%
All policies in force (any building)2,8772,663−7.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77662 have filed 3,603 flood claims. 3,136 received a payment, for a total of $236.4 million (an average of $75,382 per paid claim). The year with the most claims was 2019 (1,224 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 102 claims, 84 paid, $311,788 in total1980: 89 claims, 75 paid, $261,056 in total19801982: 96 claims, 80 paid, $548,354 in total1983: 14 claims1989: 66 claims, 51 paid, $521,729 in total19901991: 47 claims, 41 paid, $272,406 in total1993: 12 claims1994: 70 claims, 60 paid, $851,900 in total1995: 12 claims, 11 paid, $32,197 in total1996: 39 claims, 36 paid, $435,912 in total1998: 26 claims, 23 paid, $259,158 in total20002001: 53 claims, 39 paid, $516,030 in total2002: 144 claims, 128 paid, $2,466,510 in total2003: 29 claims, 25 paid, $325,224 in total2005: 223 claims, 147 paid, $4,829,019 in total20052006: 85 claims, 77 paid, $2,079,800 in total2007: 19 claims, 18 paid, $157,166 in total2008: 169 claims, 124 paid, $4,027,696 in total20102014: 24 claims, 21 paid, $479,085 in total2016: 19 claims, 13 paid, $163,370 in total2017: 946 claims, 834 paid, $110,822,468 in total20172019: 1,224 claims, 1,165 paid, $106,239,852 in total20192020: 10 claims2020
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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202010<10––
20191,2241,165$106,239,852$91,193
2017946834$110,822,468$132,881
20161913$163,370$12,567
20142421$479,085$22,814
2008169124$4,027,696$32,481
20071918$157,166$8,731
20068577$2,079,800$27,010
2005223147$4,829,019$32,850
20032925$325,224$13,009
2002144128$2,466,510$19,270
20015339$516,030$13,232
19982623$259,158$11,268
19963936$435,912$12,109
19951211$32,197$2,927
19947060$851,900$14,198
199312<10––
19914741$272,406$6,644
19896651$521,729$10,230
198314<10––
19829680$548,354$6,854
19808975$261,056$3,481
197910284$311,788$3,712

From 2016 to 2026: 2,199 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 (1,348 home policies) · Vidor (978 home policies) · Pine Forest (80 home policies) · Rose City (53 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.