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Flood Figures

ZIP 77007 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, 2,642 NFIP flood insurance policies are in force in ZIP 77007 (Houston, TX), with 634 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,642
Median annual premium
$858
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$935
premium only
Policies in SFHA zones
6.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$632,419,000
Contents coverage in force
$234,027,000

"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 77007 by rated flood zone
Policies Share Share bar
X 2,483 94.0%
AE 156 5.9%
C 3 0.1%

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 77007 by occupancy type
Policies Share Share bar
Single-family homes 2,365 89.5%
Non-residential buildings 114 4.3%
Multi-unit buildings 95 3.6%
Units in multi-unit buildings 68 2.6%

Claims history since 1978

Claims since 1978
634
Total paid
$33,599,265
Paid on buildings
$28,037,232
Paid on contents
$5,532,032
NFIP claims filed per year in ZIP 77007, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 18 $162,579
1980 4 $11,503
1981 10 $46,743
1982 1 $20,054
1983 11 $161,550
1984 2 $9,350
1989 12 $92,102
1991 1 $751
1992 15 $872,852
1993 1 $0
1994 5 $44,957
1997 5 $28,110
1998 17 $1,119,705
2000 1 $0
2001 66 $3,673,801
2002 2 $1,775
2003 3 $7,349
2004 2 $0
2005 1 $0
2006 1 $0
2007 2 $0
2008 54 $779,548
2009 2 $989
2010 6 $9,898
2011 2 $2,938
2012 1 $6,634
2013 1 $1,131
2014 2 $3,009
2015 59 $2,321,599
2016 31 $456,921
2017 252 $22,963,683
2018 11 $286,655
2019 14 $229,804
2020 3 $11,701
2023 2 $1,702
2024 14 $269,873

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 252 $22,963,683
2001 66 $3,673,801
2015 59 $2,321,599

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