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Flood Figures

ZIP 77030 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, 1,736 NFIP flood insurance policies are in force in ZIP 77030 (Houston, TX), with 438 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,736
Median annual premium
$860
premium only
Median annual cost
$1,161
premium + fees & surcharges
Mean annual premium
$1,422
premium only
Policies in SFHA zones
26.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$368,711,000
Contents coverage in force
$117,470,000

"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 77030 by rated flood zone
Policies Share Share bar
X 967 55.7%
AE 767 44.2%
B 2 0.1%

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 77030 by occupancy type
Policies Share Share bar
Multi-unit buildings 794 45.7%
Single-family homes 742 42.7%
Non-residential buildings 118 6.8%
Units in multi-unit buildings 82 4.7%

Claims history since 1978

Claims since 1978
438
Total paid
$27,580,116
Paid on buildings
$25,021,556
Paid on contents
$2,558,560
NFIP claims filed per year in ZIP 77030, 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 31 $305,014
1980 1 $1,189
1981 6 $7,072
1982 1 $0
1983 12 $32,643
1984 1 $0
1987 1 $23
1989 4 $2,302
1991 2 $10,021
1992 3 $2,331
1994 5 $38,224
1997 3 $20,918
1998 7 $32,992
2001 100 $14,599,888
2002 1 $58,553
2003 3 $21,926
2004 1 $3,606
2005 3 $2,000
2006 1 $1,278
2007 5 $13,704
2008 31 $76,982
2009 1 $0
2012 2 $13,635
2013 5 $25,345
2014 1 $0
2015 19 $210,803
2016 1 $0
2017 174 $11,741,263
2018 2 $0
2019 1 $18,023
2020 1 $871
2021 1 $0
2024 7 $339,510

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 100 $14,599,888
2017 174 $11,741,263
2024 7 $339,510

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