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Flood Figures

ZIP 77019 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, 1,607 NFIP flood insurance policies are in force in ZIP 77019 (Houston, TX), with 368 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,607
Median annual premium
$858
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,000
premium only
Policies in SFHA zones
3.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$362,687,000
Contents coverage in force
$136,764,000

"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 77019 by rated flood zone
Policies Share Share bar
X 1,563 97.3%
AE 44 2.7%

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 77019 by occupancy type
Policies Share Share bar
Single-family homes 1,248 77.7%
Multi-unit buildings 219 13.6%
Units in multi-unit buildings 100 6.2%
Non-residential buildings 40 2.5%

Claims history since 1978

Claims since 1978
368
Total paid
$22,201,144
Paid on buildings
$16,288,055
Paid on contents
$5,913,089
NFIP claims filed per year in ZIP 77019, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 9 $15,621
1980 4 $15,126
1981 10 $13,190
1983 22 $13,186
1984 1 $2,469
1985 1 $704
1989 7 $21,590
1991 1 $3,213
1992 7 $177,547
1994 3 $200,747
1995 1 $0
1997 3 $28,384
1998 21 $545,968
2000 1 $0
2001 64 $3,831,447
2002 2 $8,827
2003 6 $42,124
2004 1 $1,891
2005 1 $9,596
2006 5 $18,094
2007 3 $1,147
2008 52 $332,735
2009 2 $1,117
2010 1 $705
2012 5 $116,659
2014 1 $0
2015 15 $681,305
2016 5 $84,523
2017 103 $15,833,121
2019 3 $154,410
2020 1 $0
2021 3 $8,411
2024 4 $37,289

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 103 $15,833,121
2001 64 $3,831,447
2015 15 $681,305

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