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Flood Figures

ZIP 77044 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, 2,408 NFIP flood insurance policies are in force in ZIP 77044 (Houston, TX), with 1,087 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,408
Median annual premium
$677
premium only
Median annual cost
$881
premium + fees & surcharges
Mean annual premium
$737
premium only
Policies in SFHA zones
0.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$564,532,000
Contents coverage in force
$232,786,000

"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 77044 by rated flood zone
Policies Share Share bar
X 2,386 99.1%
AE 21 0.9%
C 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 77044 by occupancy type
Policies Share Share bar
Single-family homes 2,242 93.1%
Non-residential buildings 115 4.8%
Mobile homes 30 1.2%
Units in multi-unit buildings 14 0.6%
Multi-unit buildings 7 0.3%

Claims history since 1978

Claims since 1978
1,087
Total paid
$55,840,051
Paid on buildings
$39,517,818
Paid on contents
$16,322,233
NFIP claims filed per year in ZIP 77044, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 20 $144,465
1981 38 $280,063
1982 1 $2,285
1983 16 $100,360
1984 3 $29,887
1985 2 $200
1987 1 $3,361
1989 21 $344,707
1991 1 $1,470
1992 15 $184,399
1993 2 $7,517
1994 43 $1,423,802
1995 1 $2,566
1997 4 $28,743
1998 5 $28,969
1999 1 $910
2001 253 $9,130,624
2002 6 $11,024
2003 1 $0
2005 1 $0
2006 23 $266,849
2007 10 $118,178
2008 44 $184,147
2009 2 $12,303
2010 2 $37,848
2012 4 $19,633
2014 1 $0
2015 5 $62,663
2016 3 $43,613
2017 468 $41,253,719
2019 57 $1,817,724
2021 14 $159,267
2022 1 $0
2023 3 $0
2024 11 $96,604
2025 4 $42,153

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 468 $41,253,719
2001 253 $9,130,624
2019 57 $1,817,724

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