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Flood Figures

ZIP 77051 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, 286 NFIP flood insurance policies are in force in ZIP 77051 (Houston, TX), with 209 flood claims recorded since 1978.

Policies & premiums

Policies in force
286
Median annual premium
$746
premium only
Median annual cost
$1,000
premium + fees & surcharges
Mean annual premium
$796
premium only
Policies in SFHA zones
0.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$60,029,000
Contents coverage in force
$22,336,000

"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 77051 by rated flood zone
Policies Share Share bar
X 284 99.3%
AE 2 0.7%

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 77051 by occupancy type
Policies Share Share bar
Single-family homes 251 87.8%
Non-residential buildings 18 6.3%
Multi-unit buildings 16 5.6%
Units in multi-unit buildings 1 0.3%

Claims history since 1978

Claims since 1978
209
Total paid
$1,557,181
Paid on buildings
$1,273,137
Paid on contents
$284,044
NFIP claims filed per year in ZIP 77051, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 12 $49,494
1981 6 $17,113
1983 13 $20,457
1987 1 $3,365
1989 2 $2,488
1991 3 $12,952
1994 7 $68,288
1997 7 $10,404
1998 1 $5,074
2000 2 $4,101
2001 15 $127,460
2002 1 $0
2003 3 $0
2004 2 $21,981
2006 13 $79,936
2007 6 $38,459
2008 31 $136,544
2009 3 $21,041
2010 1 $1,282
2012 4 $4,666
2013 8 $55,911
2014 1 $0
2015 8 $51,875
2016 1 $3,058
2017 36 $578,393
2018 3 $6,814
2019 4 $71,359
2020 1 $7,829
2021 2 $0
2022 1 $0
2024 11 $156,840

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 36 $578,393
2024 11 $156,840
2008 31 $136,544

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