Skip to content
Flood Figures

ZIP 77026 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, 1,106 NFIP flood insurance policies are in force in ZIP 77026 (Houston, TX), with 1,079 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,106
Median annual premium
$591
premium only
Median annual cost
$886
premium + fees & surcharges
Mean annual premium
$804
premium only
Policies in SFHA zones
88.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$201,705,200
Contents coverage in force
$46,352,000

"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 77026 by rated flood zone
Policies Share Share bar
AE 923 83.5%
X 131 11.8%
A 49 4.4%
AO 3 0.3%

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 77026 by occupancy type
Policies Share Share bar
Single-family homes 858 77.6%
Multi-unit buildings 128 11.6%
Non-residential buildings 116 10.5%
Units in multi-unit buildings 3 0.3%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
1,079
Total paid
$33,112,858
Paid on buildings
$27,534,631
Paid on contents
$5,561,144
NFIP claims filed per year in ZIP 77026, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 16 $81,753
1981 2 $33,560
1982 1 $38,083
1983 17 $117,180
1984 12 $67,615
1986 3 $25,184
1987 2 $0
1989 19 $217,625
1992 2 $0
1993 3 $22,600
1994 19 $364,398
1995 1 $24,689
1996 1 $4,177
1997 1 $11,019
1998 8 $48,740
2001 230 $6,870,175
2002 7 $1,847
2003 4 $795
2004 3 $726
2005 4 $0
2006 10 $194,543
2007 21 $392,957
2008 146 $1,910,546
2009 2 $9,666
2010 5 $20,385
2011 1 $0
2012 2 $0
2015 28 $490,225
2016 6 $77,230
2017 430 $20,741,697
2018 3 $1,492
2019 38 $912,033
2020 1 $0
2021 7 $2,236
2022 1 $0
2024 22 $425,886
2026 1 $3,798

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 430 $20,741,697
2001 230 $6,870,175
2008 146 $1,910,546

Related pages