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Flood Figures

ZIP 77050 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, 104 NFIP flood insurance policies are in force in ZIP 77050 (Houston, TX), with 204 flood claims recorded since 1978.

Policies & premiums

Policies in force
104
Median annual premium
$855
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$941
premium only
Policies in SFHA zones
25.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$21,808,000
Contents coverage in force
$7,861,000

"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 77050 by rated flood zone
Policies Share Share bar
X 78 75.0%
AE 26 25.0%

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 77050 by occupancy type
Policies Share Share bar
Single-family homes 95 91.3%
Non-residential buildings 6 5.8%
Mobile homes 3 2.9%

Claims history since 1978

Claims since 1978
204
Total paid
$8,238,475
Paid on buildings
$6,721,342
Paid on contents
$1,497,133
NFIP claims filed per year in ZIP 77050, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $4,034
1983 3 $5,627
1984 1 $9,689
1986 1 $340
1987 2 $28,362
1989 7 $99,666
1992 2 $36,441
1993 1 $10,905
1994 3 $0
1998 2 $156
2001 44 $1,684,759
2002 3 $25,315
2003 1 $12,517
2004 1 $8,330
2006 2 $31,349
2007 3 $9,600
2008 20 $451,678
2009 3 $11,600
2010 1 $0
2014 1 $16,888
2015 4 $163,146
2016 1 $0
2017 67 $4,536,599
2019 21 $872,347
2021 3 $31,464
2023 2 $51,050
2024 4 $136,614

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 67 $4,536,599
2001 44 $1,684,759
2019 21 $872,347

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