Flood insurance cost · ZIP 77706 · TX

Flood insurance cost in ZIP 77706 (Beaumont, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,338 home policies in force on August 31, 2026.

ZIP code 77706 (Beaumont, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,130a year

Half of insured homes paid between $1,036 and $1,263. That is about the same as the Jefferson County median ($1,147). Most insured homes here are rated in zone X (89%).

$0$1,036 · $1,130 · $1,263$1,579

+7.6% vs Aug 31, 2025 (median $1,050)

2,338home policies in force

$1,129average cost (mean)

11%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 77706

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$916	$789–$1,037	$924	242 (10%)	+4.6%
Zone A High risk	$814	$689–$1,110	$905	19 (1%)	+3.8%
Zone X Moderate to low risk	$1,168	$1,077–$1,264	$1,155	2,077 (89%)	+10.6%

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 77706, by what they insure.

Type of building	Policies	Median	Average
Single-family home	2,202	$1,153	$1,158
2–4 unit building	14	$1,141	$1,083
Condo or apartment unit	122	$639	$609
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.	62	$1,385	$1,631
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	165	$2,154	$2,618

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

2,565NFIP policies in force, any building

2,565insured 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 77706

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, 2025	Aug 31, 2026	Change
Home policies in force	2,635	2,338	−11.3%
Median annual cost	$1,050	$1,130	+7.6%
Average annual cost	$1,017	$1,129	+11.0%
All policies in force (any building)	2,906	2,565	−11.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77706 have filed 1,960 flood claims. 1,307 received a payment, for a total of $32.3 million (an average of $24,721 per paid claim). The year with the most claims was 2005 (262 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (14)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	181	163	$11,397,682	$69,924
2017	232	147	$7,039,787	$47,890
2008	75	10	$445,323	$44,532
2007	11	<10	–	–
2005	262	31	$349,112	$11,262
2003	47	44	$450,390	$10,236
2002	100	82	$1,190,706	$14,521
2001	225	198	$5,170,277	$26,113
1994	38	35	$1,055,806	$30,166
1989	161	139	$976,839	$7,028
1987	156	120	$1,504,789	$12,540
1983	166	127	$536,394	$4,224
1980	58	38	$153,752	$4,046
1979	133	111	$1,285,123	$11,578

From 2016 to 2026: 413 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

Beaumont (2,335 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.