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Flood Figures

ZIP 77022 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, 1,028 NFIP flood insurance policies are in force in ZIP 77022 (Houston, TX), with 1,325 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,028
Median annual premium
$860
premium only
Median annual cost
$1,162
premium + fees & surcharges
Mean annual premium
$1,052
premium only
Policies in SFHA zones
68.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$212,194,000
Contents coverage in force
$60,602,000

"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 77022 by rated flood zone
Policies Share Share bar
AE 701 68.2%
X 327 31.8%

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 77022 by occupancy type
Policies Share Share bar
Single-family homes 902 87.7%
Non-residential buildings 84 8.2%
Multi-unit buildings 41 4.0%
Units in multi-unit buildings 1 0.1%

Claims history since 1978

Claims since 1978
1,325
Total paid
$50,004,726
Paid on buildings
$41,026,915
Paid on contents
$8,977,812
NFIP claims filed per year in ZIP 77022, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $4,798
1983 4 $41,253
1989 10 $72,198
1990 1 $0
1991 1 $0
1992 25 $323,356
1994 4 $32,077
1995 2 $0
1997 7 $92,252
1998 1 $34,459
2001 185 $7,846,549
2002 3 $1,319
2003 2 $1,554
2004 3 $6,964
2005 2 $2,385
2006 2 $139
2008 377 $12,631,499
2009 2 $0
2010 7 $99,937
2013 1 $0
2014 2 $5,659
2015 94 $2,775,435
2016 9 $2,347
2017 320 $15,477,644
2018 1 $0
2019 239 $10,276,389
2020 3 $0
2021 3 $0
2024 13 $276,513
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 320 $15,477,644
2008 377 $12,631,499
2019 239 $10,276,389

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