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Flood Figures

ZIP 77008 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, 4,811 NFIP flood insurance policies are in force in ZIP 77008 (Houston, TX), with 1,677 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,811
Median annual premium
$857
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$942
premium only
Policies in SFHA zones
45.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,158,974,000
Contents coverage in force
$386,321,000

"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 77008 by rated flood zone
Policies Share Share bar
X 2,632 54.7%
AE 2,179 45.3%

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 77008 by occupancy type
Policies Share Share bar
Single-family homes 4,515 93.8%
Non-residential buildings 170 3.5%
Units in multi-unit buildings 75 1.6%
Multi-unit buildings 51 1.1%

Claims history since 1978

Claims since 1978
1,677
Total paid
$74,626,988
Paid on buildings
$58,629,978
Paid on contents
$15,544,394
NFIP claims filed per year in ZIP 77008, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 22 $107,067
1980 4 $3,383
1981 5 $22,624
1983 9 $44,142
1984 5 $20,614
1985 1 $0
1989 12 $115,208
1990 2 $5,480
1992 32 $1,066,474
1993 3 $3,196
1994 1 $17,530
1995 1 $446
1997 6 $42,910
1998 41 $569,272
2000 1 $0
2001 412 $22,626,572
2002 3 $4,214
2003 6 $13,582
2004 7 $45,538
2005 4 $38,487
2007 3 $15,779
2008 135 $1,565,528
2009 2 $11,154
2010 1 $0
2012 4 $42,779
2014 1 $2,237
2015 140 $3,119,309
2016 39 $1,113,037
2017 694 $43,403,694
2018 2 $6,176
2019 34 $415,808
2020 2 $1,423
2021 6 $3,031
2022 2 $2,345
2023 2 $2,623
2024 27 $166,994
2025 4 $5,429
2026 2 $2,902

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 694 $43,403,694
2001 412 $22,626,572
2015 140 $3,119,309

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