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Flood Figures

ZIP 77048 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, 404 NFIP flood insurance policies are in force in ZIP 77048 (Houston, TX), with 577 flood claims recorded since 1978.

Policies & premiums

Policies in force
404
Median annual premium
$855
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$963
premium only
Policies in SFHA zones
7.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$87,776,000
Contents coverage in force
$33,577,000

"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 77048 by rated flood zone
Policies Share Share bar
X 372 92.1%
AE 32 7.9%

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 77048 by occupancy type
Policies Share Share bar
Single-family homes 375 92.8%
Non-residential buildings 26 6.4%
Multi-unit buildings 3 0.7%

Claims history since 1978

Claims since 1978
577
Total paid
$8,508,709
Paid on buildings
$6,360,615
Paid on contents
$2,148,095
NFIP claims filed per year in ZIP 77048, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 16 $88,770
1981 22 $49,657
1982 1 $5,843
1983 38 $174,890
1985 21 $107,270
1986 5 $3,061
1987 3 $10,467
1989 25 $390,626
1991 3 $5,814
1994 95 $2,393,023
1995 1 $0
1996 1 $22,588
1997 30 $280,964
1998 2 $7,922
2000 1 $0
2001 73 $1,187,335
2002 12 $95,123
2003 4 $12,620
2004 4 $5,829
2005 2 $0
2006 17 $184,348
2007 11 $131,403
2008 67 $322,035
2009 9 $97,423
2010 1 $43,309
2012 1 $640
2013 5 $119,453
2014 1 $4,094
2015 9 $88,134
2016 2 $675
2017 61 $1,477,637
2018 3 $47,406
2019 2 $102,390
2020 9 $831,236
2021 5 $1,425
2022 2 $0
2024 12 $215,301
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1994 95 $2,393,023
2017 61 $1,477,637
2001 73 $1,187,335

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