Flood insurance cost · ZIP 77802 · TX

Flood insurance cost in ZIP 77802 (Bryan, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 311 home policies in force on August 31, 2026.

ZIP code 77802 (Bryan, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$965a year

Half of insured homes paid between $676 and $1,250. That is 36% more than the Brazos County median ($708). Most insured homes here are rated in zone X (52%).

$0$676 · $965 · $1,250$1,562

+4.4% vs Aug 31, 2025 (median $924)

311home policies in force

$997average cost (mean)

48%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 77802

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	$1,162	$920–$1,450	$1,199	150 (48%)	+8.0%
Zone X Moderate to low risk	$745	$539–$1,079	$809	161 (52%)	−0.9%

Not shown (fewer than 10 home policies): VE, A, 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 77802, by what they insure.

Type of building	Policies	Median	Average
Single-family home	286	$970	$1,005
2–4 unit building	12	$996	$1,183
Condo or apartment unit	13	$690	$661
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	12	$1,560	$2,094

Not shown (fewer than 10 policies): manufactured (mobile) home, whole residential building (5+ units or condo association).

328NFIP policies in force, any building

328insured units (condo association policies count every unit)

84%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 77802

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	328	311	−5.2%
Median annual cost	$924	$965	+4.4%
Average annual cost	$938	$997	+6.3%
All policies in force (any building)	348	328	−5.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77802 have filed 200 flood claims. 161 received a payment, for a total of $3,519,360 (an average of $21,859 per paid claim). The year with the most claims was 2016 (41 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 (5)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2016	41	38	$1,778,477	$46,802
2013	24	21	$604,449	$28,783
2001	12	11	$242,864	$22,079
1994	10	<10	–	–
1981	12	12	$51,909	$4,326

From 2016 to 2026: 41 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

Bryan (310 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.