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Flood Figures

ZIP 77018 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, 3,188 NFIP flood insurance policies are in force in ZIP 77018 (Houston, TX), with 1,400 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,188
Median annual premium
$859
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,083
premium only
Policies in SFHA zones
24.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$759,199,600
Contents coverage in force
$266,523,000

"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 77018 by rated flood zone
Policies Share Share bar
X 2,400 75.3%
AE 786 24.7%
A 1 0.0%
C 1 0.0%

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 77018 by occupancy type
Policies Share Share bar
Single-family homes 3,046 95.5%
Non-residential buildings 110 3.5%
Multi-unit buildings 24 0.8%
Units in multi-unit buildings 8 0.3%

Claims history since 1978

Claims since 1978
1,400
Total paid
$60,722,744
Paid on buildings
$52,232,802
Paid on contents
$8,424,333
NFIP claims filed per year in ZIP 77018, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 16 $69,685
1980 14 $13,235
1981 5 $5,755
1982 3 $0
1983 11 $18,036
1984 6 $6,385
1986 1 $2,352
1989 9 $60,061
1990 2 $9,560
1992 7 $85,473
1994 3 $17,298
1997 14 $84,040
1998 14 $199,242
1999 1 $0
2001 287 $8,761,484
2002 13 $121,449
2003 14 $67,566
2004 6 $2,844
2005 1 $2,318
2007 5 $53,900
2008 397 $14,222,058
2009 12 $355,255
2010 6 $28,824
2012 2 $10,408
2013 1 $0
2014 1 $4,729
2015 127 $4,318,131
2016 8 $257,818
2017 309 $25,065,796
2018 2 $5,077
2019 81 $6,769,840
2020 3 $2,273
2021 2 $0
2022 1 $6,503
2023 1 $9,462
2024 15 $85,889

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 309 $25,065,796
2008 397 $14,222,058
2001 287 $8,761,484

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