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Flood insurance costs in ZIP 77617 (Gilchrist, TX)

Plain facts for homeowners in Gilchrist: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 77617 at a glance

Four numbers most homeowners ask about first.

$2,195
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

294
Flood policies

Single-family NFIP policies that took effect in 2025.

100%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$1,529
County home premium

Typical Galveston County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 77617 in numbers
$1,861
median flood policy cost (2025)
$231,697
average building coverage
$2,261
average flood policy (2022)
Rel. high
county FEMA risk rating

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

Treasury didn't publish homeowners figures for ZIP 77617. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Galveston County averaged $1,529 per policy in 2022.

Galveston County, Texas and U.S. typical ZIP codes

Galveston County overview

Typical premium per policy

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

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 77617 in 2025 cost $2,195, based on 294 policies, compared with $2,261 in 2022. About 100% of them are for homes in high-risk A or V zones.

Average flood policy cost

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

Policies by flood zone, 2025

294 policies
A zones 0%X/B/C zones 0%V zones 100%

Natural hazards

FEMA National Risk Index for Galveston County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Galveston County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Cold wave99 · Very High
  • Lightning97 · Very High
  • Hurricane97 · Relatively High
  • Tornado97 · Relatively High
  • Drought97 · Relatively High

Other ZIP codes in Galveston County

ZIP codes with their own page. Showing 12 of 15; see the county page for all.

77510 Santa Fe · $1,85577517 Santa Fe · $2,10577518 Bacliff · $1,15077539 Dickinson · $1,85277546 Friendswood · $3,29277550 Galveston · $1,14677551 Galveston · $1,09977554 Galveston · $1,47477563 Hitchcock · $1,28277565 Kemah · $1,89577568 La Marque · $1,52977573 League City · $2,113

Practical next steps

Simple things homeowners in ZIP 77617 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.
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.
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.
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.