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Flood Figures

ZIP 77002 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 217 NFIP flood insurance policies are in force in ZIP 77002 (Houston, TX), with 262 flood claims recorded since 1978.

Policies & premiums

Policies in force
217
Median annual premium
$1,791
premium only
Median annual cost
$2,410
premium + fees & surcharges
Mean annual premium
$2,914
premium only
Policies in SFHA zones
18.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$65,985,000
Contents coverage in force
$34,882,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 77002 by rated flood zone
Policies Share Share bar
X 168 77.4%
AE 49 22.6%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 77002 by occupancy type
Policies Share Share bar
Non-residential buildings 103 47.5%
Multi-unit buildings 97 44.7%
Units in multi-unit buildings 12 5.5%
Single-family homes 5 2.3%

Claims history since 1978

Claims since 1978
262
Total paid
$18,693,818
Paid on buildings
$16,576,472
Paid on contents
$2,117,346
NFIP claims filed per year in ZIP 77002, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $3,466
1979 55 $471,854
1980 5 $30,996
1981 5 $47,797
1983 15 $143,378
1984 1 $0
1985 2 $0
1989 2 $34,383
1990 1 $5,616
1992 2 $104,599
1994 1 $7,614
1998 5 $166,512
2001 34 $2,949,671
2003 1 $91,823
2007 2 $1,398
2008 29 $1,074,497
2012 3 $19,572
2014 1 $86,005
2015 16 $1,687,300
2016 7 $582,398
2017 62 $10,622,663
2019 5 $234,048
2020 1 $57,755
2024 4 $270,473
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 62 $10,622,663
2001 34 $2,949,671
2015 16 $1,687,300

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