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Flood Figures

ZIP 77045 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, 831 NFIP flood insurance policies are in force in ZIP 77045 (Houston, TX), with 1,781 flood claims recorded since 1978.

Policies & premiums

Policies in force
831
Median annual premium
$831
premium only
Median annual cost
$1,079
premium + fees & surcharges
Mean annual premium
$851
premium only
Policies in SFHA zones
5.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$177,533,600
Contents coverage in force
$63,802,000

"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 77045 by rated flood zone
Policies Share Share bar
X 787 94.7%
AE 43 5.2%
A 1 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 77045 by occupancy type
Policies Share Share bar
Single-family homes 760 91.5%
Non-residential buildings 38 4.6%
Multi-unit buildings 30 3.6%
Units in multi-unit buildings 3 0.4%

Claims history since 1978

Claims since 1978
1,781
Total paid
$29,234,922
Paid on buildings
$21,151,353
Paid on contents
$8,047,214
NFIP claims filed per year in ZIP 77045, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 5 $476
1979 34 $187,805
1980 1 $0
1981 134 $1,434,711
1982 5 $1,269
1983 242 $2,374,663
1985 28 $213,610
1986 3 $1,008
1987 7 $7,245
1988 2 $0
1989 77 $1,047,187
1990 2 $0
1991 4 $491
1992 7 $3,943
1993 4 $18,332
1994 172 $3,289,309
1997 88 $849,405
1998 7 $14,751
1999 2 $192
2000 3 $0
2001 543 $13,987,073
2002 13 $30,275
2003 5 $17,229
2004 7 $93,797
2005 2 $0
2006 7 $25,528
2007 6 $19,106
2008 103 $243,474
2009 8 $32,066
2010 3 $1,190
2011 2 $0
2012 6 $41,347
2013 23 $278,500
2014 4 $16,920
2015 44 $682,165
2016 12 $64,994
2017 124 $3,373,710
2018 3 $10,535
2019 6 $110,523
2020 3 $15,669
2021 4 $0
2023 2 $55,185
2024 23 $658,208
2025 1 $33,031

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 543 $13,987,073
2017 124 $3,373,710
1994 172 $3,289,309

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