Flood insurance cost in Texas
In Texas, the lowest private flood insurance quote ran $686 a year and the typical private quote ran $1,431. The NFIP quote ran $1,353.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 53% below the NFIP quote, and private was the cheaper option for 88% of those 338 properties. The typical private quote came in 2% above NFIP.
Median annual premiums from 6,228 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $616 | $1,098 | $1,140 | 4,052 |
| Zone A, AE, AH and AO (high risk) | $984 | $2,599 | $2,204 | 2,115 |
| Residential properties | $677 | $1,418 | $1,331 | 6,124 |
How quotes have moved since 2020
- Lowest private quote$630 in 2026
- Typical private quote$1,100 in 2026
- NFIP quote$1,358 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $725 | $1,296 | $517 | 3,604 |
| 2021 | $656 | $1,452 | $572 | 3,052 |
| 2022 | $975 | $1,843 | n/a | 1,548 |
| 2023 | $1,086 | $1,637 | n/a | 1,250 |
| 2024 | $823 | $1,486 | $1,355 | 3,252 |
| 2025 | $708 | $1,685 | $1,299 | 3,068 |
| 2026* | $630 | $1,100 | $1,358 | 2,842 |
Counties in Texas
| County | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| Harris County | $741 | $1,611 | $1,407 | 57% lower | 2,787 |
| Galveston County | $1,582 | $3,200 | $1,924 | n/a | 362 |
| Montgomery County | $577 | $843 | n/a | n/a | 312 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Texas?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Texas was $1,431 a year and the lowest private quote a property received was $686. NFIP quotes ran $1,353. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Texas?
- Where a property was quoted both ways, the lowest private quote came in a median 53% below the NFIP quote, and private was the cheaper option for 88% of those 338 properties. The typical private quote came in 2% above NFIP.
- How much does the flood zone change the price in Texas?
- Properties in high-risk A zones were quoted a typical $2,599 a year for private flood insurance, against $1,098 in moderate to low risk X zones. The lowest quotes ran $984 and $616.
- Where do these numbers come from?
- From 6,228 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Texas
- Flood insurance in Texas: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.