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Flood Figures

ZIP 77042 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, 1,846 NFIP flood insurance policies are in force in ZIP 77042 (Houston, TX), with 1,356 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,846
Median annual premium
$855
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$893
premium only
Policies in SFHA zones
5.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$439,122,000
Contents coverage in force
$164,504,000

"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 77042 by rated flood zone
Policies Share Share bar
X 1,758 95.2%
AE 88 4.8%

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 77042 by occupancy type
Policies Share Share bar
Single-family homes 1,529 82.8%
Units in multi-unit buildings 130 7.0%
Multi-unit buildings 124 6.7%
Non-residential buildings 63 3.4%

Claims history since 1978

Claims since 1978
1,356
Total paid
$108,556,984
Paid on buildings
$82,703,553
Paid on contents
$25,823,432
NFIP claims filed per year in ZIP 77042, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $3,344
1979 19 $86,030
1980 17 $22,197
1981 25 $182,352
1982 1 $533
1983 21 $277,741
1984 13 $25,519
1985 12 $9,995
1986 2 $0
1987 1 $0
1988 3 $0
1989 14 $110,255
1990 3 $8,761
1991 3 $824
1992 43 $1,127,198
1993 4 $0
1994 7 $119,984
1995 1 $0
1996 1 $0
1997 8 $16,634
1998 30 $799,860
1999 23 $162,987
2000 3 $8,696
2001 20 $424,621
2002 23 $152,508
2003 21 $314,834
2004 4 $18,597
2005 4 $14,726
2006 6 $34,229
2007 16 $85,286
2008 67 $762,914
2009 192 $6,626,564
2010 4 $0
2011 2 $0
2012 12 $74,702
2013 6 $41,814
2014 9 $94,505
2015 90 $3,706,105
2016 70 $2,046,556
2017 522 $90,533,151
2019 14 $301,738
2020 1 $46,924
2021 4 $0
2022 2 $0
2023 2 $179,482
2024 7 $134,816

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 522 $90,533,151
2009 192 $6,626,564
2015 90 $3,706,105

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