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Flood Figures

ZIP 77005 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, 3,825 NFIP flood insurance policies are in force in ZIP 77005 (Houston, TX), with 816 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,825
Median annual premium
$859
premium only
Median annual cost
$1,088
premium + fees & surcharges
Mean annual premium
$1,052
premium only
Policies in SFHA zones
24.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$932,444,000
Contents coverage in force
$356,875,000

"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 77005 by rated flood zone
Policies Share Share bar
X 2,912 76.1%
AE 912 23.8%
B 1 0.0%

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 77005 by occupancy type
Policies Share Share bar
Single-family homes 3,633 95.0%
Multi-unit buildings 90 2.4%
Non-residential buildings 68 1.8%
Units in multi-unit buildings 34 0.9%

Claims history since 1978

Claims since 1978
816
Total paid
$20,862,849
Paid on buildings
$15,563,684
Paid on contents
$5,299,165
NFIP claims filed per year in ZIP 77005, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $104
1979 49 $230,393
1980 3 $226
1981 10 $29,857
1982 1 $0
1983 19 $20,340
1985 1 $5,912
1987 1 $0
1989 13 $71,883
1991 7 $30,099
1992 7 $27,156
1993 2 $14,187
1994 14 $122,774
1996 2 $25,265
1997 20 $205,655
1998 13 $449,579
1999 3 $177,520
2000 1 $113,602
2001 257 $7,608,402
2002 1 $0
2003 12 $133,377
2005 2 $0
2006 3 $497,788
2007 9 $316,002
2008 78 $520,710
2009 3 $0
2010 3 $672
2012 8 $79,543
2013 2 $40,264
2014 5 $13,443
2015 19 $147,048
2016 15 $424,744
2017 218 $9,493,344
2018 2 $34,510
2019 3 $25,746
2021 2 $0
2024 7 $2,701

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 218 $9,493,344
2001 257 $7,608,402
2008 78 $520,710

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