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Flood Figures

ZIP 77021 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, 673 NFIP flood insurance policies are in force in ZIP 77021 (Houston, TX), with 683 flood claims recorded since 1978.

Policies & premiums

Policies in force
673
Median annual premium
$859
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,157
premium only
Policies in SFHA zones
16.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$155,818,000
Contents coverage in force
$52,787,000

"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 77021 by rated flood zone
Policies Share Share bar
X 557 82.8%
AE 116 17.2%

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 77021 by occupancy type
Policies Share Share bar
Single-family homes 571 84.8%
Multi-unit buildings 67 10.0%
Non-residential buildings 29 4.3%
Units in multi-unit buildings 6 0.9%

Claims history since 1978

Claims since 1978
683
Total paid
$16,578,785
Paid on buildings
$13,792,210
Paid on contents
$2,786,575
NFIP claims filed per year in ZIP 77021, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 13 $64,340
1980 3 $16,462
1981 23 $77,688
1982 2 $0
1983 18 $77,528
1985 3 $46,059
1987 6 $78,560
1989 7 $167,035
1991 10 $138,055
1992 9 $65,142
1994 13 $52,925
1996 1 $0
1997 3 $2,380
1998 7 $48,513
2000 1 $0
2001 83 $2,568,222
2002 2 $0
2003 1 $15,722
2004 3 $2,054
2005 3 $10,083
2006 38 $657,026
2007 8 $89,950
2008 81 $348,537
2009 5 $12,470
2010 3 $0
2012 44 $1,200,684
2013 8 $12,320
2014 5 $34,556
2015 35 $744,267
2016 30 $84,842
2017 173 $9,091,072
2018 4 $11,331
2019 7 $100,865
2020 5 $84,341
2021 6 $0
2022 1 $0
2023 1 $0
2024 15 $670,492
2025 2 $5,265
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 173 $9,091,072
2001 83 $2,568,222
2012 44 $1,200,684

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