Flood insurance cost in Harris County, Texas
In Harris County, Texas, the lowest private flood insurance quote ran $741 a year and the typical private quote ran $1,611. The NFIP quote ran $1,407.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 57% below the NFIP quote, and private was the cheaper option for 92% of those 167 properties. The typical private quote came in 1% below NFIP.
Median annual premiums from 2,787 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) | $656 | $1,274 | $1,255 | 2,012 |
| Zone A, AE, AH and AO (high risk) | $1,021 | $2,545 | $2,181 | 775 |
| Residential properties | $741 | $1,603 | $1,377 | 2,738 |
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 Harris County, Texas?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Harris County, Texas was $1,611 a year and the lowest private quote a property received was $741. NFIP quotes ran $1,407. 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 Harris County, Texas?
- Where a property was quoted both ways, the lowest private quote came in a median 57% below the NFIP quote, and private was the cheaper option for 92% of those 167 properties. The typical private quote came in 1% below NFIP.
- How much does the flood zone change the price in Harris County, Texas?
- Properties in high-risk A zones were quoted a typical $2,545 a year for private flood insurance, against $1,274 in moderate to low risk X zones. The lowest quotes ran $1,021 and $656.
- Where do these numbers come from?
- From 2,787 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.