Skip to content
Flood Figures

ZIP 77059 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, 3,112 NFIP flood insurance policies are in force in ZIP 77059 (Houston, TX), with 694 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,112
Median annual premium
$858
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$900
premium only
Policies in SFHA zones
12.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$764,189,000
Contents coverage in force
$302,787,000

"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 77059 by rated flood zone
Policies Share Share bar
X 2,730 87.7%
AE 378 12.1%
B 4 0.1%

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 77059 by occupancy type
Policies Share Share bar
Single-family homes 3,095 99.5%
Non-residential buildings 17 0.5%

Claims history since 1978

Claims since 1978
694
Total paid
$20,842,061
Paid on buildings
$16,478,543
Paid on contents
$4,353,078
NFIP claims filed per year in ZIP 77059, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 155 $597,228
1980 3 $1,359
1981 17 $18,939
1983 22 $9,420
1985 12 $5,649
1989 35 $11,678
1991 4 $0
1992 6 $24,849
1993 1 $0
1994 7 $57,293
1995 6 $3,720
1997 3 $16,402
1998 14 $163,942
2000 2 $6,896
2001 77 $415,409
2002 1 $0
2003 1 $0
2005 4 $5,790
2006 15 $63,983
2007 2 $14,103
2008 48 $113,241
2009 7 $52,752
2011 1 $0
2012 9 $21,327
2013 1 $8,920
2015 17 $109,067
2016 1 $0
2017 205 $19,035,242
2019 5 $39,552
2021 2 $45,299
2022 2 $0
2023 2 $0
2024 5 $0
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 205 $19,035,242
1979 155 $597,228
2001 77 $415,409

Related pages