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Home insurance & natural hazards in Harris County, TX

Calm, plain facts for homeowners in Harris County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 213,774 FEMA NFIP policies
  • 15 natural hazards rated by the FEMA National Risk Index
See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Harris at a glance

Four numbers most homeowners ask about first.

$2,702
Typical home premium

Per policy per year in 2022, median of 128 ZIP codes (inflation-adjusted).

$1,107
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

0.00%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Very high
FEMA risk rating

Overall National Risk Index rating, higher than 99.9% of U.S. counties.

Harris County in numbers
4.73M
residents (2020 Census)
3.0%
of policies had a paid claim (2022, median ZIP)
$19,655
average paid claim (2022, median ZIP)
213,774
single-family NFIP flood policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Typical premiums in Harris County were $2,702 per policy in 2022, 20% above the typical Texas ZIP code ($2,249) and 74% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 5% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
HarrisTexasU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $1,107, compared with $793 in 2022. About 25% of local policies are for homes in high-risk A or V zones and 75% in moderate- to lower-risk zones.

Flood costs by ZIP

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

213,774 policies
A zones 24%X/B/C zones 75%V zones 0%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Harris compares with every U.S. county for each hazard (100 = highest). Hurricane, tornado and inland flooding rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
Fort Bend County$2,8200.00%$938
Harris County$2,7020.00%$1,107
Liberty County$2,4300.00%$859
Chambers County$2,3600.00%$1,001
Waller County$2,3210.00%$902
Montgomery County$2,1400.00%$980
Brazoria County$2,0360.00%$1,113
Galveston County$1,5290.00%$1,389

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies
ZIPPoliciesAvg. cost
77433 Cypress6,767$894
77429 Cypress6,364$1,059
77450 Katy5,299$931
77586 Seabrook4,942$1,682
77096 Houston4,767$1,840
77008 Houston4,753$1,112
77401 Bellaire4,477$1,820
77089 Houston4,430$1,001

ZIP code pages in Harris County

77003 Houston77004 Houston77005 Houston77006 Houston77007 Houston77008 Houston77009 Houston77013 Houston77014 Houston77015 Houston77016 Houston77017 Houston77018 Houston77019 Houston77020 Houston77021 Houston77022 Houston77023 Houston77024 Houston77025 Houston77026 Houston77027 Houston77028 Houston77029 Houston77030 Houston77031 Houston77032 Houston77033 Houston77034 Houston77035 Houston77036 Houston77037 Houston77038 Houston77039 Houston77040 Houston77041 Houston77042 Houston77043 Houston77044 Houston77045 Houston77047 Houston77048 Houston77049 Houston77050 Houston77051 Houston77055 Houston77056 Houston77057 Houston77058 Houston77059 Houston77060 Houston77061 Houston77062 Houston77063 Houston77064 Houston77065 Houston77066 Houston77067 Houston77068 Houston77069 Houston77070 Houston77071 Houston77072 Houston77073 Houston77074 Houston77075 Houston77076 Houston77077 Houston77078 Houston77079 Houston77080 Houston77081 Houston77082 Houston77083 Houston77084 Houston77085 Houston77086 Houston77087 Houston77088 Houston77089 Houston77090 Houston77091 Houston77092 Houston77093 Houston77094 Houston77095 Houston77096 Houston77098 Houston77099 Houston77336 Huffman77338 Humble77339 Kingwood77345 Kingwood77346 Humble77373 Spring77375 Tomball77377 Tomball77379 Spring77388 Spring77389 Spring77396 Humble77401 Bellaire77429 Cypress77433 Cypress77447 Hockley77449 Katy77450 Katy77493 Katy77502 Pasadena77503 Pasadena77504 Pasadena77505 Pasadena77506 Pasadena77520 Baytown77521 Baytown77530 Channelview77532 Crosby77536 Deer Park77547 Galena Park77562 Highlands77571 La Porte77586 Seabrook77587 South Houston77598 Webster

Practical next steps

Simple things Harris homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.