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Flood Figures

ZIP 77040 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, 3,147 NFIP flood insurance policies are in force in ZIP 77040 (Houston, TX), with 4,160 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,147
Median annual premium
$865
premium only
Median annual cost
$1,156
premium + fees & surcharges
Mean annual premium
$1,159
premium only
Policies in SFHA zones
53.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$736,018,000
Contents coverage in force
$238,716,000

"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 77040 by rated flood zone
Policies Share Share bar
AE 1,578 50.1%
X 1,458 46.3%
AO 68 2.2%
A 41 1.3%
AOB 1 0.0%
B 1 0.0%

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 77040 by occupancy type
Policies Share Share bar
Single-family homes 2,812 89.4%
Non-residential buildings 243 7.7%
Multi-unit buildings 81 2.6%
Units in multi-unit buildings 7 0.2%
Mobile homes 4 0.1%

Claims history since 1978

Claims since 1978
4,160
Total paid
$160,935,635
Paid on buildings
$120,491,301
Paid on contents
$40,444,333
NFIP claims filed per year in ZIP 77040, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $302
1979 7 $11,636
1980 21 $11,420
1981 45 $220,626
1982 1 $772
1983 25 $43,430
1984 49 $333,142
1986 1 $0
1987 1 $3,627
1988 1 $0
1989 63 $363,836
1990 1 $573
1991 3 $25,130
1992 44 $433,535
1993 3 $5,668
1994 13 $99,072
1995 2 $0
1997 12 $49,993
1998 643 $20,372,064
1999 2 $0
2000 5 $3,964
2001 1,525 $78,524,633
2002 480 $13,211,677
2003 17 $66,050
2004 8 $41,932
2005 2 $8,945
2006 32 $301,609
2007 13 $206,877
2008 81 $270,345
2009 18 $280,981
2010 2 $0
2012 8 $7,254
2013 1 $12,737
2014 12 $64,353
2015 36 $379,186
2016 679 $35,935,180
2017 270 $9,335,362
2018 2 $0
2019 7 $167,472
2020 3 $0
2021 7 $0
2023 1 $0
2024 13 $142,248

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 1,525 $78,524,633
2016 679 $35,935,180
1998 643 $20,372,064

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