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Flood Figures

ZIP 77027 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, 1,495 NFIP flood insurance policies are in force in ZIP 77027 (Houston, TX), with 388 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,495
Median annual premium
$858
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$1,038
premium only
Policies in SFHA zones
1.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$293,411,000
Contents coverage in force
$108,546,000

"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 77027 by rated flood zone
Policies Share Share bar
X 1,475 98.7%
AE 20 1.3%

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 77027 by occupancy type
Policies Share Share bar
Single-family homes 855 57.2%
Multi-unit buildings 467 31.2%
Units in multi-unit buildings 92 6.2%
Non-residential buildings 81 5.4%

Claims history since 1978

Claims since 1978
388
Total paid
$21,832,982
Paid on buildings
$18,191,942
Paid on contents
$3,641,040
NFIP claims filed per year in ZIP 77027, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 15 $153,199
1980 3 $24,740
1981 11 $18,443
1982 3 $527
1983 10 $51,200
1985 1 $0
1986 1 $0
1987 1 $0
1989 7 $28,318
1992 10 $206,257
1993 3 $65
1994 7 $49,197
1995 1 $0
1997 6 $39,627
1998 7 $2,045,191
2001 104 $4,690,516
2002 3 $39,935
2003 7 $59,630
2004 2 $9,435
2005 1 $21,628
2006 3 $3,503
2007 3 $76,983
2008 38 $234,099
2009 2 $13,521
2010 1 $0
2012 2 $6,144
2013 2 $0
2014 2 $0
2015 37 $2,502,886
2016 10 $253,533
2017 66 $9,818,602
2018 3 $126,039
2019 5 $770,531
2021 2 $29,216
2022 1 $0
2024 7 $560,016

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 66 $9,818,602
2001 104 $4,690,516
2015 37 $2,502,886

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