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Flood Figures

ZIP 77041 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, 2,363 NFIP flood insurance policies are in force in ZIP 77041 (Houston, TX), with 834 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,363
Median annual premium
$839
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$786
premium only
Policies in SFHA zones
7.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$590,794,600
Contents coverage in force
$257,363,000

"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 77041 by rated flood zone
Policies Share Share bar
X 2,190 92.7%
AE 164 6.9%
AO 6 0.3%
A 3 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 77041 by occupancy type
Policies Share Share bar
Single-family homes 2,047 86.6%
Non-residential buildings 305 12.9%
Multi-unit buildings 9 0.4%
Mobile homes 1 0.0%
Units in multi-unit buildings 1 0.0%

Claims history since 1978

Claims since 1978
834
Total paid
$77,371,881
Paid on buildings
$57,402,978
Paid on contents
$19,959,891
NFIP claims filed per year in ZIP 77041, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 2 $23,797
1981 9 $10,285
1982 1 $0
1983 4 $14,199
1984 3 $10,893
1985 1 $0
1986 1 $881
1987 1 $1,025
1989 2 $62,231
1991 1 $763
1992 4 $80,227
1996 1 $819
1997 3 $53,126
1998 11 $138,458
2001 26 $853,713
2002 24 $1,350,966
2003 6 $264,900
2004 2 $132,786
2005 1 $0
2006 6 $42,917
2007 9 $47,560
2008 41 $611,719
2009 20 $285,026
2012 1 $0
2014 1 $0
2015 14 $776,258
2016 84 $6,948,151
2017 519 $63,438,715
2019 4 $24,617
2020 4 $440,434
2021 6 $54,526
2022 1 $0
2024 21 $1,702,891

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 519 $63,438,715
2016 84 $6,948,151
2024 21 $1,702,891

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