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Flood Figures

ZIP 77036 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, 1,313 NFIP flood insurance policies are in force in ZIP 77036 (Houston, TX), with 339 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,313
Median annual premium
$859
premium only
Median annual cost
$1,173
premium + fees & surcharges
Mean annual premium
$1,206
premium only
Policies in SFHA zones
51.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$263,614,000
Contents coverage in force
$67,229,000

"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 77036 by rated flood zone
Policies Share Share bar
AE 813 61.9%
X 500 38.1%

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 77036 by occupancy type
Policies Share Share bar
Single-family homes 684 52.1%
Multi-unit buildings 452 34.4%
Non-residential buildings 119 9.1%
Units in multi-unit buildings 56 4.3%
Mobile homes 2 0.2%

Claims history since 1978

Claims since 1978
339
Total paid
$6,901,272
Paid on buildings
$2,779,784
Paid on contents
$4,121,488
NFIP claims filed per year in ZIP 77036, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $4,932
1979 12 $38,594
1980 2 $0
1981 9 $90,085
1982 3 $16,191
1983 27 $366,426
1985 1 $47,248
1989 6 $7,208
1991 3 $40,579
1992 8 $106,795
1993 1 $0
1994 3 $255,417
1995 1 $415
1997 7 $28,033
1998 1 $14,006
1999 7 $171,159
2000 3 $99,895
2001 7 $308,470
2002 13 $297,194
2003 10 $115,494
2004 2 $0
2005 6 $16,447
2006 2 $81,791
2007 6 $5,353
2008 38 $381,461
2009 18 $1,027,459
2010 1 $0
2012 6 $18,966
2013 2 $4,793
2014 3 $838
2015 17 $530,196
2016 25 $468,769
2017 71 $1,445,467
2019 5 $255,884
2020 2 $0
2021 3 $0
2024 7 $655,708

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 71 $1,445,467
2009 18 $1,027,459
2024 7 $655,708

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