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Flood Figures

ZIP 77043 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, 1,768 NFIP flood insurance policies are in force in ZIP 77043 (Houston, TX), with 937 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,768
Median annual premium
$602
premium only
Median annual cost
$808
premium + fees & surcharges
Mean annual premium
$667
premium only
Policies in SFHA zones
0.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$419,352,000
Contents coverage in force
$169,781,000

"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 77043 by rated flood zone
Policies Share Share bar
X 1,758 99.4%
AE 10 0.6%

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 77043 by occupancy type
Policies Share Share bar
Single-family homes 1,627 92.0%
Non-residential buildings 82 4.6%
Units in multi-unit buildings 50 2.8%
Multi-unit buildings 8 0.5%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
937
Total paid
$21,158,505
Paid on buildings
$17,456,552
Paid on contents
$3,701,953
NFIP claims filed per year in ZIP 77043, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 9 $39,734
1980 3 $2,066
1981 33 $146,644
1983 23 $99,535
1984 8 $42,902
1988 1 $0
1989 11 $69,325
1990 1 $0
1991 2 $2,264
1992 55 $1,079,122
1993 1 $14,396
1994 6 $47,117
1997 12 $31,331
1998 66 $787,489
1999 34 $346,457
2000 2 $519
2001 33 $443,463
2002 31 $521,619
2003 27 $456,521
2004 3 $20,641
2005 5 $36,614
2006 9 $127,274
2007 48 $1,238,308
2008 24 $205,627
2009 186 $5,796,934
2010 2 $5,418
2011 1 $0
2012 4 $9,380
2013 1 $0
2014 5 $80,950
2015 49 $1,007,532
2016 88 $2,400,692
2017 127 $5,626,560
2019 17 $331,022
2021 1 $0
2022 1 $0
2023 1 $0
2024 4 $141,051
2026 3 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2009 186 $5,796,934
2017 127 $5,626,560
2016 88 $2,400,692

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