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Flood Figures

ZIP 77020 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, 358 NFIP flood insurance policies are in force in ZIP 77020 (Houston, TX), with 199 flood claims recorded since 1978.

Policies & premiums

Policies in force
358
Median annual premium
$755
premium only
Median annual cost
$1,027
premium + fees & surcharges
Mean annual premium
$971
premium only
Policies in SFHA zones
0.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$80,581,000
Contents coverage in force
$35,626,000

"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 77020 by rated flood zone
Policies Share Share bar
X 358 100.0%

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 77020 by occupancy type
Policies Share Share bar
Single-family homes 307 85.8%
Non-residential buildings 45 12.6%
Multi-unit buildings 4 1.1%
Units in multi-unit buildings 2 0.6%

Claims history since 1978

Claims since 1978
199
Total paid
$6,645,232
Paid on buildings
$4,484,095
Paid on contents
$2,161,137
NFIP claims filed per year in ZIP 77020, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $112,632
1980 1 $458
1981 2 $201,579
1982 14 $229,390
1983 8 $14,576
1984 1 $2,736
1989 4 $42,735
1994 8 $112,339
1998 1 $1,676
2001 25 $677,141
2006 5 $71,445
2007 6 $82,826
2008 22 $239,358
2009 1 $0
2010 1 $0
2014 1 $0
2015 1 $8,380
2016 1 $2,271
2017 76 $4,498,192
2019 12 $300,432
2023 1 $0
2024 2 $47,066

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 76 $4,498,192
2001 25 $677,141
2019 12 $300,432

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