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Flood Figures

ZIP 77037 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, 1,071 NFIP flood insurance policies are in force in ZIP 77037 (Houston, TX), with 4,195 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,071
Median annual premium
$930
premium only
Median annual cost
$1,205
premium + fees & surcharges
Mean annual premium
$1,071
premium only
Policies in SFHA zones
80.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$181,060,800
Contents coverage in force
$47,589,000

"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 77037 by rated flood zone
Policies Share Share bar
AE 843 78.7%
X 213 19.9%
A 15 1.4%

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 77037 by occupancy type
Policies Share Share bar
Single-family homes 981 91.6%
Non-residential buildings 72 6.7%
Multi-unit buildings 16 1.5%
Units in multi-unit buildings 1 0.1%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
4,195
Total paid
$149,567,821
Paid on buildings
$119,009,634
Paid on contents
$30,521,304
NFIP claims filed per year in ZIP 77037, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 27 $194,639
1980 1 $949
1981 3 $7,744
1983 61 $303,486
1984 43 $374,927
1985 2 $0
1986 3 $8,046
1987 2 $784
1989 193 $2,276,453
1991 2 $6,411
1992 152 $2,418,760
1993 1 $5,586
1994 3 $12,234
1995 3 $29,576
1997 97 $1,500,275
1998 45 $518,148
1999 1 $3,994
2000 3 $0
2001 714 $24,156,320
2002 139 $2,345,085
2003 104 $2,272,360
2004 2 $3,436
2005 3 $0
2006 51 $1,010,734
2007 25 $350,813
2008 625 $19,167,297
2009 25 $501,777
2010 58 $719,290
2011 1 $0
2012 2 $3,269
2014 4 $32,093
2015 123 $3,304,381
2016 170 $3,929,902
2017 964 $64,589,642
2018 8 $200,960
2019 389 $14,644,654
2020 2 $4,364
2021 9 $0
2022 22 $705,565
2023 3 $79,462
2024 109 $3,801,929
2025 1 $82,477

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 964 $64,589,642
2001 714 $24,156,320
2008 625 $19,167,297

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