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Flood Figures

ZIP 77054 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, 469 NFIP flood insurance policies are in force in ZIP 77054 (Houston, TX), with 139 flood claims recorded since 1978.

Policies & premiums

Policies in force
469
Median annual premium
$855
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$2,032
premium only
Policies in SFHA zones
0.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$57,957,000
Contents coverage in force
$39,052,000

"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 77054 by rated flood zone
Policies Share Share bar
X 467 99.6%
AE 2 0.4%

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 77054 by occupancy type
Policies Share Share bar
Multi-unit buildings 228 48.6%
Units in multi-unit buildings 92 19.6%
Single-family homes 78 16.6%
Non-residential buildings 71 15.1%

Claims history since 1978

Claims since 1978
139
Total paid
$6,081,166
Paid on buildings
$4,052,195
Paid on contents
$2,028,971
NFIP claims filed per year in ZIP 77054, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $5,330
1981 3 $1,313
1982 1 $2,862
1983 8 $75,256
1985 1 $0
1989 5 $2,013
1990 1 $0
1994 5 $212,346
1998 1 $2,773
2001 21 $2,553,828
2004 1 $0
2006 4 $186,361
2007 2 $465,607
2008 18 $159,142
2011 1 $0
2012 5 $34,235
2013 6 $92,548
2015 7 $317,231
2016 3 $0
2017 38 $1,716,679
2018 1 $7,551
2019 1 $105,400
2024 3 $140,690

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 21 $2,553,828
2017 38 $1,716,679
2007 2 $465,607

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