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Flood Figures

ZIP 77035 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, 2,550 NFIP flood insurance policies are in force in ZIP 77035 (Houston, TX), with 1,783 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,550
Median annual premium
$860
premium only
Median annual cost
$1,154
premium + fees & surcharges
Mean annual premium
$1,247
premium only
Policies in SFHA zones
36.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$584,679,000
Contents coverage in force
$175,656,000

"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 77035 by rated flood zone
Policies Share Share bar
X 1,463 57.4%
AE 1,087 42.6%

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 77035 by occupancy type
Policies Share Share bar
Single-family homes 2,082 81.6%
Multi-unit buildings 374 14.7%
Non-residential buildings 50 2.0%
Units in multi-unit buildings 44 1.7%

Claims history since 1978

Claims since 1978
1,783
Total paid
$125,783,627
Paid on buildings
$102,400,316
Paid on contents
$23,075,757
NFIP claims filed per year in ZIP 77035, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $224
1979 47 $116,688
1980 3 $305
1981 54 $126,833
1982 2 $3,770
1983 55 $205,964
1984 1 $549
1985 1 $0
1987 6 $4,392
1988 1 $0
1989 12 $28,078
1990 2 $590
1991 11 $19,411
1992 9 $7,447
1993 2 $0
1994 33 $472,323
1995 1 $1,065
1996 2 $7,803
1997 10 $21,865
1998 6 $10,601
1999 1 $0
2000 2 $969
2001 85 $1,453,344
2002 5 $41,533
2003 6 $24,641
2005 3 $0
2006 2 $8,623
2007 4 $35,103
2008 43 $43,601
2009 3 $45,404
2012 28 $531,499
2013 95 $2,920,288
2015 311 $16,863,093
2016 36 $695,538
2017 866 $101,603,461
2018 3 $32,291
2019 5 $20,129
2020 5 $130,090
2021 3 $0
2022 1 $0
2023 2 $23,360
2024 13 $282,753

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 866 $101,603,461
2015 311 $16,863,093
2013 95 $2,920,288

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