Skip to content
Flood Figures

ZIP 77013 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, 766 NFIP flood insurance policies are in force in ZIP 77013 (Houston, TX), with 1,277 flood claims recorded since 1978.

Policies & premiums

Policies in force
766
Median annual premium
$856
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$1,041
premium only
Policies in SFHA zones
48.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$152,070,000
Contents coverage in force
$47,349,000

"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 77013 by rated flood zone
Policies Share Share bar
X 398 52.0%
AE 368 48.0%

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 77013 by occupancy type
Policies Share Share bar
Single-family homes 625 81.6%
Units in multi-unit buildings 66 8.6%
Non-residential buildings 42 5.5%
Multi-unit buildings 33 4.3%

Claims history since 1978

Claims since 1978
1,277
Total paid
$73,551,900
Paid on buildings
$56,448,429
Paid on contents
$16,918,333
NFIP claims filed per year in ZIP 77013, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $12,776
1979 41 $431,573
1980 1 $402
1981 16 $59,030
1982 2 $14,565
1983 21 $213,672
1984 4 $26,794
1985 1 $0
1986 1 $0
1987 4 $40,884
1988 1 $0
1989 72 $1,876,573
1992 21 $490,097
1993 2 $2,873
1994 60 $1,207,340
1997 6 $39,215
1998 18 $229,926
1999 3 $1,922
2000 1 $0
2001 329 $17,582,638
2002 1 $2,213
2003 1 $0
2004 4 $20,248
2006 49 $1,091,541
2007 9 $315,579
2008 73 $1,708,702
2010 9 $209,486
2012 1 $0
2013 2 $4,869
2015 61 $2,357,646
2016 2 $55,626
2017 438 $44,999,695
2018 1 $0
2019 13 $435,843
2023 1 $0
2024 7 $120,171

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 438 $44,999,695
2001 329 $17,582,638
2015 61 $2,357,646

Related pages