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Flood Figures

ZIP 77047 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, 1,074 NFIP flood insurance policies are in force in ZIP 77047 (Houston, TX), with 472 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,074
Median annual premium
$590
premium only
Median annual cost
$809
premium + fees & surcharges
Mean annual premium
$680
premium only
Policies in SFHA zones
22.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$245,078,000
Contents coverage in force
$88,702,000

"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 77047 by rated flood zone
Policies Share Share bar
X 831 77.4%
AE 243 22.6%

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 77047 by occupancy type
Policies Share Share bar
Single-family homes 985 91.7%
Non-residential buildings 71 6.6%
Units in multi-unit buildings 12 1.1%
Multi-unit buildings 5 0.5%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
472
Total paid
$9,314,425
Paid on buildings
$7,333,792
Paid on contents
$1,980,633
NFIP claims filed per year in ZIP 77047, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 9 $34,078
1981 5 $24,351
1983 10 $30,099
1984 1 $0
1985 4 $4,654
1986 1 $0
1987 1 $233
1989 7 $12,959
1992 2 $1,934
1993 4 $4,222
1994 14 $167,236
1997 2 $20,314
1998 3 $18,164
1999 2 $13,769
2001 34 $235,564
2002 7 $31,693
2003 5 $22,511
2004 2 $3,839
2005 2 $5,951
2006 9 $128,706
2007 1 $644
2008 85 $189,479
2009 7 $116,323
2011 1 $0
2013 1 $2,623
2015 7 $79,858
2016 3 $6,204
2017 204 $7,161,710
2018 1 $0
2019 4 $54,910
2020 7 $224,745
2021 2 $0
2022 1 $137,931
2024 23 $573,903
2025 1 $5,822

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 204 $7,161,710
2024 23 $573,903
2001 34 $235,564

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