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Flood Figures

ZIP 77061 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, 475 NFIP flood insurance policies are in force in ZIP 77061 (Houston, TX), with 917 flood claims recorded since 1978.

Policies & premiums

Policies in force
475
Median annual premium
$855
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$1,118
premium only
Policies in SFHA zones
22.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$114,452,000
Contents coverage in force
$46,037,000

"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 77061 by rated flood zone
Policies Share Share bar
X 367 77.3%
AE 108 22.7%

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 77061 by occupancy type
Policies Share Share bar
Single-family homes 394 82.9%
Non-residential buildings 59 12.4%
Units in multi-unit buildings 20 4.2%
Multi-unit buildings 2 0.4%

Claims history since 1978

Claims since 1978
917
Total paid
$23,674,109
Paid on buildings
$16,968,006
Paid on contents
$6,706,102
NFIP claims filed per year in ZIP 77061, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 149 $1,586,178
1980 6 $30,872
1981 59 $394,982
1982 4 $1,378
1983 96 $1,501,739
1984 2 $3,368
1985 9 $139,807
1986 2 $0
1987 7 $21,745
1989 21 $140,375
1991 11 $22,977
1992 3 $8,984
1993 5 $32,860
1994 53 $992,936
1995 2 $0
1997 3 $3,127
1998 17 $31,391
1999 1 $0
2000 2 $0
2001 125 $2,398,246
2002 6 $3,115
2004 1 $0
2005 4 $10,236
2006 71 $2,850,140
2007 7 $243,407
2008 52 $582,594
2009 5 $60,337
2010 2 $0
2012 5 $22,944
2013 4 $104,490
2015 11 $171,641
2016 3 $10,380
2017 162 $12,262,764
2019 4 $0
2021 1 $0
2024 2 $41,096

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 162 $12,262,764
2006 71 $2,850,140
2001 125 $2,398,246

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