Skip to content
Flood Figures

ZIP 77039 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, 1,101 NFIP flood insurance policies are in force in ZIP 77039 (Houston, TX), with 2,640 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,101
Median annual premium
$858
premium only
Median annual cost
$1,088
premium + fees & surcharges
Mean annual premium
$1,179
premium only
Policies in SFHA zones
39.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$228,927,200
Contents coverage in force
$83,482,000

"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 77039 by rated flood zone
Policies Share Share bar
X 671 60.9%
AE 427 38.8%
A 2 0.2%
C 1 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 77039 by occupancy type
Policies Share Share bar
Single-family homes 941 85.5%
Non-residential buildings 142 12.9%
Multi-unit buildings 12 1.1%
Mobile homes 6 0.5%

Claims history since 1978

Claims since 1978
2,640
Total paid
$109,465,487
Paid on buildings
$83,518,765
Paid on contents
$25,795,558
NFIP claims filed per year in ZIP 77039, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 9 $39,006
1980 1 $0
1981 8 $17,517
1982 18 $71,918
1983 34 $165,845
1984 59 $478,108
1985 1 $0
1987 2 $1,485
1989 164 $2,247,680
1990 1 $8,868
1991 8 $32,585
1992 127 $1,671,782
1993 5 $11,912
1994 12 $126,294
1995 2 $4,354
1997 48 $627,281
1998 9 $92,371
1999 2 $4,087
2000 1 $0
2001 435 $18,510,316
2002 111 $2,355,570
2003 34 $313,816
2004 2 $12,720
2005 3 $10,938
2006 80 $2,294,296
2007 9 $88,302
2008 253 $5,967,365
2009 25 $297,172
2010 6 $77,628
2011 1 $0
2012 2 $7,380
2013 1 $0
2014 30 $662,985
2015 47 $896,974
2016 23 $745,076
2017 731 $57,006,666
2018 6 $131,893
2019 280 $13,525,383
2020 1 $0
2021 2 $15,767
2022 6 $58,068
2023 2 $3,081
2024 36 $821,790
2025 1 $18,671
2026 2 $42,535

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 731 $57,006,666
2001 435 $18,510,316
2019 280 $13,525,383

Related pages