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Flood Figures

ZIP 77028 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, 661 NFIP flood insurance policies are in force in ZIP 77028 (Houston, TX), with 1,157 flood claims recorded since 1978.

Policies & premiums

Policies in force
661
Median annual premium
$856
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,113
premium only
Policies in SFHA zones
28.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$133,515,600
Contents coverage in force
$51,430,000

"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 77028 by rated flood zone
Policies Share Share bar
X 474 71.7%
AE 185 28.0%
A 1 0.2%
C 1 0.2%

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 77028 by occupancy type
Policies Share Share bar
Single-family homes 546 82.6%
Non-residential buildings 105 15.9%
Multi-unit buildings 8 1.2%
Mobile homes 2 0.3%

Claims history since 1978

Claims since 1978
1,157
Total paid
$47,790,743
Paid on buildings
$33,905,680
Paid on contents
$13,855,063
NFIP claims filed per year in ZIP 77028, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $325
1979 53 $245,422
1980 14 $28,668
1981 50 $237,140
1982 41 $223,625
1983 56 $313,538
1984 26 $122,725
1985 6 $15,862
1986 1 $4,778
1987 20 $63,004
1989 54 $1,001,588
1990 1 $3,428
1991 5 $30,621
1992 15 $134,486
1993 26 $272,939
1994 45 $841,263
1995 2 $0
1997 5 $27,454
1998 6 $13,703
1999 1 $2,073
2000 3 $3,691
2001 133 $7,621,750
2002 5 $132,372
2003 1 $1,377
2004 2 $2,835
2005 1 $0
2006 6 $65,819
2007 9 $56,776
2008 87 $1,460,689
2009 6 $65,079
2010 2 $16,142
2014 1 $19,491
2015 25 $533,520
2016 3 $160,714
2017 358 $31,993,959
2019 49 $1,366,407
2020 1 $10,020
2021 9 $6,219
2023 4 $58,820
2024 23 $632,421
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 358 $31,993,959
2001 133 $7,621,750
2008 87 $1,460,689

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