Skip to content
Flood Figures

ZIP 77015 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, 1,270 NFIP flood insurance policies are in force in ZIP 77015 (Houston, TX), with 2,073 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,270
Median annual premium
$859
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,310
premium only
Policies in SFHA zones
26.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$301,218,000
Contents coverage in force
$116,480,000

"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 77015 by rated flood zone
Policies Share Share bar
X 928 73.1%
AE 342 26.9%

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 77015 by occupancy type
Policies Share Share bar
Single-family homes 1,066 83.9%
Non-residential buildings 143 11.3%
Multi-unit buildings 51 4.0%
Units in multi-unit buildings 9 0.7%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
2,073
Total paid
$91,541,608
Paid on buildings
$68,343,176
Paid on contents
$23,138,047
NFIP claims filed per year in ZIP 77015, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 96 $1,017,986
1980 5 $2,197
1981 161 $1,345,182
1982 2 $516
1983 110 $2,347,677
1984 3 $23,602
1985 2 $6,131
1986 2 $0
1987 4 $2,645
1988 1 $2,558
1989 175 $4,377,008
1991 7 $10,103
1992 53 $1,507,865
1994 66 $1,842,314
1995 1 $369
1997 5 $25,185
1998 64 $978,492
1999 5 $19,064
2000 7 $9,364
2001 338 $18,200,719
2002 6 $18,632
2003 1 $5,096
2004 6 $59,420
2005 45 $698,017
2006 128 $3,136,199
2007 18 $206,615
2008 150 $5,910,350
2009 9 $93,223
2010 8 $26,099
2011 2 $3,142
2012 10 $79,891
2013 5 $33,574
2014 3 $852
2015 43 $1,332,433
2016 6 $7,458
2017 464 $45,244,180
2019 33 $2,041,961
2020 2 $71,306
2021 13 $471,642
2022 2 $0
2023 5 $300,861
2024 7 $81,681

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 464 $45,244,180
2001 338 $18,200,719
2008 150 $5,910,350

Related pages