Skip to content
Flood Figures

ZIP 77049 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, 1,130 NFIP flood insurance policies are in force in ZIP 77049 (Houston, TX), with 1,094 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,130
Median annual premium
$805
premium only
Median annual cost
$1,058
premium + fees & surcharges
Mean annual premium
$901
premium only
Policies in SFHA zones
13.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$262,898,600
Contents coverage in force
$109,758,000

"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 77049 by rated flood zone
Policies Share Share bar
X 981 86.8%
AE 127 11.2%
A 18 1.6%
VE 3 0.3%
V 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 77049 by occupancy type
Policies Share Share bar
Single-family homes 948 83.9%
Non-residential buildings 149 13.2%
Multi-unit buildings 21 1.9%
Mobile homes 8 0.7%
Units in multi-unit buildings 4 0.4%

Claims history since 1978

Claims since 1978
1,094
Total paid
$41,678,438
Paid on buildings
$30,293,607
Paid on contents
$11,375,953
NFIP claims filed per year in ZIP 77049, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 27 $168,568
1981 39 $220,219
1983 56 $344,489
1986 1 $0
1988 1 $0
1989 52 $672,519
1990 1 $723
1992 8 $70,730
1993 3 $14,986
1994 97 $2,558,477
1997 8 $51,872
1998 46 $397,476
2001 95 $2,865,142
2002 6 $7,801
2003 3 $2,652
2004 1 $0
2005 1 $0
2006 17 $331,576
2007 1 $5,126
2008 98 $1,097,390
2009 7 $47,568
2010 5 $17,413
2012 2 $27,005
2014 1 $0
2015 21 $466,935
2016 44 $475,239
2017 374 $29,994,524
2018 4 $20,025
2019 45 $1,432,635
2020 1 $2,805
2021 8 $140,167
2023 2 $11,300
2024 18 $229,949
2025 1 $3,126

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 374 $29,994,524
2001 95 $2,865,142
1994 97 $2,558,477

Related pages