OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Harris County, Texas

In June 2026, NFIP policies newly written or renewed in Harris County averaged $967 in premium and $1,240 in total policy cost across 30,761 transactions.

What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.

Average premium
$967

newly written or renewed policies

Average total cost
$1,240

premium plus included fees

Transactions
30,761

minimum published threshold: 100

State premium rank
12 of 35

eligible counties in Texas

Harris County, state, and national comparison

The county average premium was 2.3% above the state transaction average and 3.4% below the national transaction average. Its total policy cost was 1.6% above the state figure and 3.8% below the national figure.

GeographyAvg premiumAvg total costTransactions
Harris County$967$1,24030,761
Texas$945$1,22173,547
United States$1,001$1,289452,418

For Harris County, 30,761 transactions place the sample at volume rank 2 of 330. The $967 average premium was 2.3% above the state transaction average, making the state benchmark more useful here than an isolated price figure.

Descriptive rank context

Premium in Texas
12 of 35
Premium nationally
170 of 330
Transaction volume nationally
2 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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