2026 Flood Insurance Premium

Try $919, and our house is not even in the flood plain.

My renewal is $1267 and not in a flood plain either. I would gladly trade you for the $578 premium. Are you in Kingwood and if so, where?

Mine is over $800 and I am not in a flood plain.

mine is $1269 and never flooded. And friends are less than $600 and flooded in Harvey and Memorial Day. What a racket

Ours was $854 in 2025, $896 in 2026

CaffeineFree : $1000! Ugh

$650 ish. Not in flood plain.

CaffeineFree :
Well, that's much better than I would have anticipated. I heard they were gonna go up by hundreds of dollars. 20 bucks is not bad at all. I don't think we have received ours yet. I hope ours is more along the line of yours as far as increases.

Mine went up a couple bucks because the value of the house allegedly went up per the county assessor.

Mine was $500 something. I live in Foster's Mill and have never flooded but others in my village flooded after the Lake Conroe Dam fiasco.

$1300 for me

Ours has doubled since we moved here in 2007. It is now over $800, and we have never flooded (didn't even have water collecting in the street during Harvey) and are not in a flood plain. I know of others who have flooded and have lower premiums, and some who haven't flooded who have higher premiums. I called the NFIP a year or two ago when I received my bill to inquire about how they are setting the rates. I spoke to a most unhelpful lady who was angry that I was wasting her time and refused to provide any relevant information.

KWilson2 : Similar ours is $850

Just got mine. $1078...never flooded. Water barely got over the curb in Harvey. 1/2 a mile away in Bear Branch our other house is around $700. Makes no sense.

CaffeineFree :
Ours was $800+. Our street has never flooded - not even close.