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Flood insurance cost · ZIP 78550 · TX

Flood insurance cost in ZIP 78550 (Harlingen, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,715 home policies in force on August 31, 2026.

ZIP code 78550 (Harlingen, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$586a year

Half of insured homes paid between $529 and $726. That is 13% less than the Cameron County median ($676). Most insured homes here are rated in zone X (95%).

$0$529 · $586 · $726$908
+2.6% vs Aug 31, 2025 (median $571)
1,715home policies in force
$647average cost (mean)
5%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 78550

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		$855$635–$951$80255 (3%)+6.1%
Zone AH
High risk, shallow		$635$533–$784$67930 (2%)−4.7%
Zone X
Moderate to low risk		$583$529–$709$6401,623 (95%)+2.6%

Not shown (fewer than 10 home policies): VE, A, AO, 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 78550, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,523$583$647
2–4 unit building95$723$760
Manufactured (mobile) home41$552$588
Condo or apartment unit56$555$499
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.		31$1,396$1,623
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		198$1,173$1,402
1,944NFIP policies in force, any building
1,944insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 78550

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 force1,7621,715−2.7%
Median annual cost$571$586+2.6%
Average annual cost$625$647+3.5%
All policies in force (any building)2,0101,944−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78550 have filed 1,807 flood claims. 1,488 received a payment, for a total of $62.0 million (an average of $41,666 per paid claim). The year with the most claims was 2025 (500 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001980: 37 claims, 14 paid, $60,522 in total19801982: 135 claims, 114 paid, $1,090,779 in total1983: 14 claims19901991: 255 claims, 216 paid, $3,820,431 in total19911998: 11 claims20002003: 36 claims, 34 paid, $556,121 in total2007: 17 claims, 14 paid, $183,839 in total2008: 386 claims, 270 paid, $5,675,069 in total200820102018: 45 claims, 38 paid, $742,184 in total2019: 223 claims, 203 paid, $10,036,626 in total2020: 35 claims, 23 paid, $321,626 in total20202021: 40 claims, 32 paid, $1,089,673 in total2025: 500 claims, 475 paid, $38,038,169 in total2025
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
2025500475$38,038,169$80,080
20214032$1,089,673$34,052
20203523$321,626$13,984
2019223203$10,036,626$49,442
20184538$742,184$19,531
2008386270$5,675,069$21,019
20071714$183,839$13,131
20033634$556,121$16,356
199811<10––
1991255216$3,820,431$17,687
198314<10––
1982135114$1,090,779$9,568
19803714$60,522$4,323

From 2016 to 2026: 843 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

Harlingen (1,491 home policies) · Unincorporated Cameron County (160 home policies) · Combes (61 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.