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Flood Figures

ZIP 77034 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, 1,634 NFIP flood insurance policies are in force in ZIP 77034 (Houston, TX), with 3,525 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,634
Median annual premium
$835
premium only
Median annual cost
$1,079
premium + fees & surcharges
Mean annual premium
$861
premium only
Policies in SFHA zones
32.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$356,306,000
Contents coverage in force
$109,886,000

"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 77034 by rated flood zone
Policies Share Share bar
X 1,102 67.4%
AE 371 22.7%
A 153 9.4%
AO 6 0.4%
AH 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 77034 by occupancy type
Policies Share Share bar
Single-family homes 1,443 88.3%
Non-residential buildings 101 6.2%
Multi-unit buildings 84 5.1%
Units in multi-unit buildings 6 0.4%

Claims history since 1978

Claims since 1978
3,525
Total paid
$117,882,967
Paid on buildings
$93,651,054
Paid on contents
$24,201,534
NFIP claims filed per year in ZIP 77034, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 268 $2,000,466
1980 1 $1,515
1981 200 $759,921
1982 3 $1,072
1983 237 $1,480,033
1985 3 $1,725
1986 1 $0
1987 2 $464
1989 241 $2,628,381
1991 3 $12,411
1993 9 $34,127
1994 20 $82,939
1995 2 $311
1996 3 $13,969
1997 14 $111,564
1998 5 $2,976
1999 1 $3,598
2001 664 $16,844,566
2002 3 $2,338
2003 1 $0
2004 2 $13,050
2005 3 $7,240
2006 277 $7,149,483
2007 76 $1,493,220
2008 163 $1,865,876
2009 93 $1,250,221
2010 2 $1,599
2011 1 $0
2012 2 $7,318
2013 5 $40,344
2015 38 $793,050
2016 2 $0
2017 1,146 $81,269,953
2018 6 $1,794
2019 2 $0
2020 2 $0
2021 4 $0
2022 2 $529
2023 6 $0
2024 10 $6,914
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 1,146 $81,269,953
2001 664 $16,844,566
2006 277 $7,149,483

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