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Flood Figures

ZIP 77024 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, 4,805 NFIP flood insurance policies are in force in ZIP 77024 (Houston, TX), with 3,144 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,805
Median annual premium
$856
premium only
Median annual cost
$1,083
premium + fees & surcharges
Mean annual premium
$891
premium only
Policies in SFHA zones
9.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,141,144,600
Contents coverage in force
$459,446,000

"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 77024 by rated flood zone
Policies Share Share bar
X 4,299 89.5%
AE 505 10.5%
A 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 77024 by occupancy type
Policies Share Share bar
Single-family homes 4,139 86.1%
Units in multi-unit buildings 375 7.8%
Multi-unit buildings 147 3.1%
Non-residential buildings 144 3.0%

Claims history since 1978

Claims since 1978
3,144
Total paid
$201,791,575
Paid on buildings
$156,793,680
Paid on contents
$44,967,895
NFIP claims filed per year in ZIP 77024, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 8 $2,036
1979 26 $213,481
1980 37 $29,076
1981 46 $61,249
1982 4 $7,456
1983 89 $481,425
1984 6 $0
1985 6 $6,735
1986 3 $0
1987 4 $2,689
1988 2 $4,215
1989 53 $66,288
1990 4 $5,015
1991 17 $43,444
1992 179 $3,120,462
1993 7 $27,480
1994 25 $174,813
1995 7 $3,072
1996 2 $3,578
1997 89 $1,524,131
1998 78 $1,403,741
1999 40 $403,186
2000 5 $38,689
2001 70 $1,330,706
2002 75 $1,617,571
2003 57 $944,925
2004 4 $37,347
2005 7 $50,323
2006 3 $27,388
2007 23 $192,818
2008 226 $4,282,574
2009 433 $22,759,609
2010 1 $0
2011 2 $8,970
2012 12 $70,563
2013 10 $80,861
2014 12 $219,725
2015 358 $19,582,593
2016 150 $4,618,859
2017 889 $136,521,111
2018 2 $0
2019 36 $1,184,644
2020 6 $31,120
2021 5 $49,915
2022 8 $315,536
2024 15 $224,883
2025 1 $17,273
2026 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 889 $136,521,111
2009 433 $22,759,609
2015 358 $19,582,593

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