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Flood Figures

ZIP 77004 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, 874 NFIP flood insurance policies are in force in ZIP 77004 (Houston, TX), with 607 flood claims recorded since 1978.

Policies & premiums

Policies in force
874
Median annual premium
$859
premium only
Median annual cost
$1,089
premium + fees & surcharges
Mean annual premium
$1,126
premium only
Policies in SFHA zones
15.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$209,539,000
Contents coverage in force
$75,017,000

"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 77004 by rated flood zone
Policies Share Share bar
X 741 84.8%
AE 133 15.2%

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 77004 by occupancy type
Policies Share Share bar
Single-family homes 685 78.4%
Non-residential buildings 72 8.2%
Multi-unit buildings 72 8.2%
Units in multi-unit buildings 45 5.1%

Claims history since 1978

Claims since 1978
607
Total paid
$15,672,588
Paid on buildings
$13,916,880
Paid on contents
$1,755,708
NFIP claims filed per year in ZIP 77004, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 38 $209,834
1980 2 $5,245
1981 4 $1,461
1982 1 $0
1983 9 $22,157
1985 3 $886
1989 3 $7,928
1991 2 $760
1994 7 $17,811
1995 1 $0
1997 1 $5,601
1998 5 $4,331
2001 105 $3,995,891
2002 2 $927
2003 5 $22,211
2004 2 $7,359
2005 2 $0
2006 3 $59,878
2007 1 $6,431
2008 101 $559,046
2009 1 $0
2012 7 $109,277
2013 5 $21,836
2014 4 $69,697
2015 20 $312,029
2016 8 $51,631
2017 241 $9,937,253
2018 4 $11,910
2019 5 $116,883
2020 1 $0
2021 3 $0
2022 3 $0
2023 1 $0
2024 7 $114,316

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 241 $9,937,253
2001 105 $3,995,891
2008 101 $559,046

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