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Flood Figures

ZIP 77016 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, 821 NFIP flood insurance policies are in force in ZIP 77016 (Houston, TX), with 1,374 flood claims recorded since 1978.

Policies & premiums

Policies in force
821
Median annual premium
$682
premium only
Median annual cost
$922
premium + fees & surcharges
Mean annual premium
$771
premium only
Policies in SFHA zones
9.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$152,875,000
Contents coverage in force
$55,806,000

"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 77016 by rated flood zone
Policies Share Share bar
X 745 90.7%
AE 76 9.3%

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 77016 by occupancy type
Policies Share Share bar
Single-family homes 787 95.9%
Non-residential buildings 30 3.7%
Mobile homes 2 0.2%
Multi-unit buildings 1 0.1%
Units in multi-unit buildings 1 0.1%

Claims history since 1978

Claims since 1978
1,374
Total paid
$33,048,762
Paid on buildings
$27,276,338
Paid on contents
$5,772,423
NFIP claims filed per year in ZIP 77016, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 7 $18,086
1980 1 $0
1981 4 $4,119
1982 8 $31,447
1983 11 $14,052
1984 23 $220,260
1985 2 $4,710
1986 1 $0
1987 2 $12,961
1989 36 $333,889
1992 14 $128,641
1993 9 $54,860
1994 11 $48,747
1996 1 $0
1997 29 $148,764
1998 19 $95,284
1999 3 $12,704
2000 1 $4,386
2001 297 $7,057,389
2002 8 $44,131
2003 2 $66,917
2004 7 $33,734
2005 6 $7,371
2006 29 $588,266
2007 28 $418,672
2008 184 $1,689,035
2009 10 $62,379
2010 10 $75,739
2014 1 $1,477
2015 75 $1,784,262
2016 7 $165,641
2017 296 $12,752,305
2018 5 $7,703
2019 145 $4,573,966
2020 5 $52,506
2021 12 $18,010
2023 3 $6,726
2024 62 $2,509,623

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 296 $12,752,305
2001 297 $7,057,389
2019 145 $4,573,966

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