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Flood insurance cost · ZIP 77705 · TX

Flood insurance cost in ZIP 77705 (unincorporated Jefferson County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,939 home policies in force on August 31, 2026.

ZIP code 77705 (unincorporated Jefferson County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,260a year

Half of insured homes paid between $1,086 and $1,435. That is 10% more than the Jefferson County median ($1,147). Most insured homes here are rated in zone X (65%).

$0$1,086 · $1,260 · $1,435$1,794
+16.3% vs Aug 31, 2025 (median $1,083)
1,939home policies in force
$1,338average cost (mean)
35%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 77705

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		$1,480$1,225–$1,879$1,618358 (18%)+10.9%
Zone A
High risk		$1,349$1,156–$1,572$1,390314 (16%)+6.4%
Zone X
Moderate to low risk		$1,233$1,084–$1,267$1,2461,267 (65%)+16.7%

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 77705, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,868$1,261$1,345
Manufactured (mobile) home57$1,096$1,220
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.		14$1,392$1,399
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		224$2,869$3,494

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

2,177NFIP policies in force, any building
2,177insured 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 77705

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 force2,0651,939−6.1%
Median annual cost$1,083$1,260+16.3%
Average annual cost$1,191$1,338+12.3%
All policies in force (any building)2,3152,177−6.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77705 have filed 3,201 flood claims. 2,729 received a payment, for a total of $211.2 million (an average of $77,375 per paid claim). The year with the most claims was 2019 (1,041 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 53 claims, 41 paid, $321,236 in total1980: 221 claims, 197 paid, $1,471,427 in total19801982: 29 claims, 22 paid, $160,086 in total1983: 19 claims1987: 17 claims, 13 paid, $65,099 in total1989: 86 claims, 68 paid, $596,676 in total19901991: 17 claims, 13 paid, $51,575 in total1993: 16 claims, 14 paid, $40,417 in total1994: 40 claims, 35 paid, $283,817 in total1996: 64 claims, 60 paid, $606,671 in total1998: 16 claims, 13 paid, $123,850 in total20002001: 53 claims, 48 paid, $363,302 in total2002: 55 claims, 46 paid, $747,569 in total2005: 131 claims, 66 paid, $1,940,399 in total2006: 26 claims, 22 paid, $819,557 in total2007: 36 claims, 25 paid, $159,477 in total2008: 367 claims, 306 paid, $26,929,171 in total200820102014: 14 claims, 13 paid, $412,158 in total2017: 772 claims, 659 paid, $70,305,522 in total20172019: 1,041 claims, 978 paid, $103,291,249 in total20192020: 19 claims20202021: 56 claims, 43 paid, $2,004,399 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20215643$2,004,399$46,614
202019<10––
20191,041978$103,291,249$105,615
2017772659$70,305,522$106,685
20141413$412,158$31,704
2008367306$26,929,171$88,004
20073625$159,477$6,379
20062622$819,557$37,253
200513166$1,940,399$29,400
20025546$747,569$16,252
20015348$363,302$7,569
19981613$123,850$9,527
19966460$606,671$10,111
19944035$283,817$8,109
19931614$40,417$2,887
19911713$51,575$3,967
19898668$596,676$8,775
19871713$65,099$5,008
198319<10––
19822922$160,086$7,277
1980221197$1,471,427$7,469
19795341$321,236$7,835

From 2016 to 2026: 1,888 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 Jefferson County (1,409 home policies) · Beaumont (524 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.