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Flood insurance cost · ZIP 77713 · TX

Flood insurance cost in ZIP 77713 (unincorporated Jefferson County, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,489 home policies in force on August 31, 2026.

ZIP code 77713 (unincorporated Jefferson County, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$781a year

Half of insured homes paid between $598 and $1,008. That is 32% less than the Jefferson County median ($1,147). Most insured homes here are rated in zone X (80%).

$0$598 · $781 · $1,008$1,260
+3.7% vs Aug 31, 2025 (median $753)
1,489home policies in force
$810average cost (mean)
20%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 77713

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		$696$539–$929$762271 (18%)+6.9%
Zone A
High risk		$964$798–$1,001$90225 (2%)+3.7%
Zone X
Moderate to low risk		$797$611–$1,024$8181,193 (80%)+4.5%

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 77713, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,445$786$814
Manufactured (mobile) home25$679$757
Condo or apartment unit17$384$446
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.		10$1,581$1,478
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		56$1,558$1,891

Not shown (fewer than 10 policies): 2–4 unit building.

1,555NFIP policies in force, any building
1,555insured 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 77713

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 force1,6141,489−7.7%
Median annual cost$753$781+3.7%
Average annual cost$767$810+5.6%
All policies in force (any building)1,7001,555−8.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77713 have filed 1,382 flood claims. 1,186 received a payment, for a total of $142.6 million (an average of $120,211 per paid claim). The year with the most claims was 2017 (610 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 38 claims, 36 paid, $657,304 in total1980: 10 claims19801983: 17 claims, 14 paid, $44,961 in total1987: 13 claims, 11 paid, $94,269 in total1989: 45 claims, 36 paid, $567,390 in total19901994: 152 claims, 144 paid, $7,788,381 in total199420002001: 71 claims, 63 paid, $1,294,178 in total2002: 13 claims, 11 paid, $92,593 in total2005: 47 claims2006: 14 claims, 13 paid, $422,885 in total2008: 37 claims20102017: 610 claims, 561 paid, $112,725,336 in total20172019: 257 claims, 235 paid, $16,857,356 in total20192020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2019257235$16,857,356$71,733
2017610561$112,725,336$200,936
200837<10––
20061413$422,885$32,530
200547<10––
20021311$92,593$8,418
20017163$1,294,178$20,543
1994152144$7,788,381$54,086
19894536$567,390$15,761
19871311$94,269$8,570
19831714$44,961$3,212
198010<10––
19793836$657,304$18,258

From 2016 to 2026: 867 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 (602 home policies) · Beaumont (564 home policies) · Bevil Oaks (320 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.