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Flood Figures

ZIP 77025 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, 4,087 NFIP flood insurance policies are in force in ZIP 77025 (Houston, TX), with 3,059 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,087
Median annual premium
$1,022
premium only
Median annual cost
$1,358
premium + fees & surcharges
Mean annual premium
$1,293
premium only
Policies in SFHA zones
72.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$972,271,000
Contents coverage in force
$281,444,000

"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 77025 by rated flood zone
Policies Share Share bar
AE 3,095 75.7%
X 989 24.2%
C 1 0.0%
A 1 0.0%
B 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 77025 by occupancy type
Policies Share Share bar
Single-family homes 3,228 79.0%
Multi-unit buildings 649 15.9%
Units in multi-unit buildings 114 2.8%
Non-residential buildings 96 2.3%

Claims history since 1978

Claims since 1978
3,059
Total paid
$260,882,540
Paid on buildings
$202,859,227
Paid on contents
$54,059,946
NFIP claims filed per year in ZIP 77025, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $11,284
1979 62 $242,532
1980 4 $20,057
1981 15 $10,429
1983 119 $1,843,112
1984 4 $0
1985 5 $0
1987 7 $2,570
1988 2 $0
1989 16 $25,536
1991 7 $175
1992 8 $27,356
1993 6 $5,024
1994 70 $680,415
1995 6 $6,544
1996 6 $12,531
1997 18 $104,621
1998 11 $24,839
2000 7 $13,331
2001 809 $58,814,755
2002 3 $10,634
2003 15 $138,997
2004 3 $8,375
2005 3 $4,644
2006 6 $29,004
2007 6 $23,535
2008 89 $678,425
2009 2 $4,030
2010 2 $0
2012 9 $48,470
2013 11 $84,160
2014 1 $19,409
2015 280 $25,329,981
2016 46 $1,649,400
2017 1,365 $170,720,980
2018 2 $0
2019 7 $50,937
2020 2 $0
2021 5 $0
2022 1 $0
2023 2 $0
2024 12 $236,449
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 1,365 $170,720,980
2001 809 $58,814,755
2015 280 $25,329,981

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