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Flood Figures

ZIP 77056 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, 1,899 NFIP flood insurance policies are in force in ZIP 77056 (Houston, TX), with 928 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,899
Median annual premium
$859
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,089
premium only
Policies in SFHA zones
6.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$432,107,000
Contents coverage in force
$147,900,000

"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 77056 by rated flood zone
Policies Share Share bar
X 1,810 95.3%
AE 89 4.7%

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 77056 by occupancy type
Policies Share Share bar
Single-family homes 1,313 69.1%
Multi-unit buildings 487 25.6%
Non-residential buildings 56 2.9%
Units in multi-unit buildings 43 2.3%

Claims history since 1978

Claims since 1978
928
Total paid
$64,807,442
Paid on buildings
$52,208,102
Paid on contents
$12,599,340
NFIP claims filed per year in ZIP 77056, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $0
1979 13 $172,647
1980 5 $739
1981 17 $30,011
1982 1 $0
1983 23 $210,911
1984 1 $2,213
1989 12 $33,961
1990 1 $0
1991 3 $6,906
1992 26 $373,669
1993 2 $0
1994 3 $58,722
1997 4 $8,412
1998 29 $540,771
1999 8 $70,897
2000 2 $38,351
2001 140 $6,241,225
2002 10 $101,170
2003 7 $35,980
2004 1 $0
2005 5 $57,003
2006 1 $5,106
2007 4 $15,494
2008 46 $1,107,324
2009 21 $706,735
2010 1 $5,058
2011 2 $0
2012 12 $348,473
2013 2 $56,367
2014 1 $0
2015 154 $13,034,173
2016 71 $4,676,804
2017 256 $34,854,505
2018 5 $171,268
2019 25 $1,758,452
2021 5 $19,713
2024 5 $57,121
2025 1 $7,260

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 256 $34,854,505
2015 154 $13,034,173
2001 140 $6,241,225

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