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Flood Figures

ZIP 77009 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, 1,753 NFIP flood insurance policies are in force in ZIP 77009 (Houston, TX), with 683 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,753
Median annual premium
$859
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,032
premium only
Policies in SFHA zones
13.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$375,797,200
Contents coverage in force
$125,311,000

"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 77009 by rated flood zone
Policies Share Share bar
X 1,347 76.8%
AE 404 23.0%
A 2 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 77009 by occupancy type
Policies Share Share bar
Single-family homes 1,334 76.1%
Multi-unit buildings 304 17.3%
Units in multi-unit buildings 60 3.4%
Non-residential buildings 55 3.1%

Claims history since 1978

Claims since 1978
683
Total paid
$30,976,853
Paid on buildings
$26,860,904
Paid on contents
$4,029,757
NFIP claims filed per year in ZIP 77009, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 13 $69,436
1981 10 $21,748
1983 11 $133,786
1984 2 $9,690
1986 2 $6,394
1987 3 $38,709
1989 14 $188,585
1992 15 $477,206
1993 7 $30,457
1994 1 $0
1995 1 $0
1997 1 $0
1998 11 $414,299
1999 1 $0
2000 1 $0
2001 97 $4,067,270
2002 1 $15,000
2003 4 $29,602
2004 2 $0
2006 1 $3,265
2007 4 $15,664
2008 60 $1,085,494
2010 1 $3,457
2011 2 $0
2012 1 $0
2014 1 $5,180
2015 68 $2,417,606
2016 13 $771,297
2017 250 $17,130,545
2018 1 $20,665
2019 48 $2,361,654
2021 3 $23,137
2022 1 $0
2024 32 $1,636,708

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 250 $17,130,545
2001 97 $4,067,270
2015 68 $2,417,606

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