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Flood Figures

ZIP 77055 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, 2,477 NFIP flood insurance policies are in force in ZIP 77055 (Houston, TX), with 820 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,477
Median annual premium
$854
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$883
premium only
Policies in SFHA zones
2.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$598,463,000
Contents coverage in force
$237,205,000

"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 77055 by rated flood zone
Policies Share Share bar
X 2,423 97.8%
AE 53 2.1%
A 1 0.0%

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 77055 by occupancy type
Policies Share Share bar
Single-family homes 2,343 94.6%
Non-residential buildings 92 3.7%
Units in multi-unit buildings 30 1.2%
Multi-unit buildings 12 0.5%

Claims history since 1978

Claims since 1978
820
Total paid
$27,524,013
Paid on buildings
$19,411,790
Paid on contents
$8,112,223
NFIP claims filed per year in ZIP 77055, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 11 $36,495
1980 3 $35,237
1981 14 $66,559
1982 1 $1,077
1983 29 $99,100
1984 2 $1,397
1985 1 $0
1989 13 $32,608
1990 2 $733
1991 1 $1,507
1992 41 $412,765
1994 6 $47,520
1996 1 $0
1997 7 $29,291
1998 9 $114,076
1999 1 $3,976
2000 1 $4,014
2001 41 $2,229,454
2002 13 $131,599
2003 20 $596,787
2004 1 $4,738
2005 2 $0
2006 1 $10,665
2007 8 $545,321
2008 118 $4,035,293
2009 115 $6,539,964
2010 4 $0
2011 2 $0
2012 4 $4,966
2014 3 $45,000
2015 141 $6,908,398
2016 58 $1,787,637
2017 95 $2,512,471
2018 2 $0
2019 33 $1,256,739
2021 3 $0
2022 2 $5,266
2023 1 $0
2024 9 $23,362
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2015 141 $6,908,398
2009 115 $6,539,964
2008 118 $4,035,293

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