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Flood Figures

ZIP 77038 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, 824 NFIP flood insurance policies are in force in ZIP 77038 (Houston, TX), with 1,369 flood claims recorded since 1978.

Policies & premiums

Policies in force
824
Median annual premium
$724
premium only
Median annual cost
$957
premium + fees & surcharges
Mean annual premium
$842
premium only
Policies in SFHA zones
63.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$166,069,200
Contents coverage in force
$46,304,000

"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 77038 by rated flood zone
Policies Share Share bar
X 305 37.0%
AO 263 31.9%
AE 250 30.3%
AOB 4 0.5%
A 2 0.2%

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 77038 by occupancy type
Policies Share Share bar
Single-family homes 724 87.9%
Non-residential buildings 89 10.8%
Multi-unit buildings 7 0.8%
Mobile homes 4 0.5%

Claims history since 1978

Claims since 1978
1,369
Total paid
$36,338,481
Paid on buildings
$28,178,192
Paid on contents
$8,109,900
NFIP claims filed per year in ZIP 77038, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $0
1981 15 $104,465
1983 22 $139,618
1984 14 $114,415
1989 123 $1,051,543
1992 126 $1,399,071
1994 2 $20,292
1996 1 $12,699
1997 45 $342,027
1998 11 $62,490
2000 1 $0
2001 353 $10,389,073
2002 136 $3,079,081
2003 51 $1,058,372
2004 2 $8,330
2005 3 $5,140
2006 13 $142,693
2008 109 $1,765,217
2009 2 $3,210
2012 1 $30,098
2015 10 $236,235
2016 63 $1,998,510
2017 224 $12,912,585
2019 16 $724,549
2020 1 $0
2021 3 $0
2022 6 $60,020
2024 15 $678,749

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 224 $12,912,585
2001 353 $10,389,073
2002 136 $3,079,081

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