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Flood Figures

ZIP 77064 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, 1,748 NFIP flood insurance policies are in force in ZIP 77064 (Houston, TX), with 348 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,748
Median annual premium
$859
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,019
premium only
Policies in SFHA zones
18.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$410,690,000
Contents coverage in force
$152,575,000

"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 77064 by rated flood zone
Policies Share Share bar
X 1,428 81.7%
AE 314 18.0%
A 6 0.3%

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 77064 by occupancy type
Policies Share Share bar
Single-family homes 1,619 92.6%
Non-residential buildings 111 6.4%
Multi-unit buildings 10 0.6%
Units in multi-unit buildings 5 0.3%
Mobile homes 3 0.2%

Claims history since 1978

Claims since 1978
348
Total paid
$8,937,197
Paid on buildings
$7,573,180
Paid on contents
$1,364,017
NFIP claims filed per year in ZIP 77064, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $775
1981 5 $10,968
1982 1 $0
1983 4 $16,166
1984 2 $542
1989 2 $0
1994 1 $0
1995 1 $0
1997 3 $1,957
1998 9 $128,328
1999 1 $687
2001 70 $1,811,541
2002 18 $429,648
2003 3 $10,436
2004 4 $2,411
2005 2 $0
2006 14 $344,220
2007 3 $5,604
2008 42 $55,781
2009 4 $71,446
2011 1 $0
2013 1 $0
2015 6 $72,024
2016 73 $4,464,226
2017 55 $1,277,743
2019 1 $0
2020 2 $16,475
2021 1 $0
2022 1 $0
2023 4 $87,300
2024 10 $75,118
2026 3 $53,800

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 73 $4,464,226
2001 70 $1,811,541
2017 55 $1,277,743

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