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Flood Figures

ZIP 77065 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, 1,382 NFIP flood insurance policies are in force in ZIP 77065 (Houston, TX), with 673 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,382
Median annual premium
$858
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$897
premium only
Policies in SFHA zones
1.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$330,134,000
Contents coverage in force
$128,837,000

"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 77065 by rated flood zone
Policies Share Share bar
X 1,358 98.3%
AE 24 1.7%

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 77065 by occupancy type
Policies Share Share bar
Single-family homes 1,282 92.8%
Non-residential buildings 56 4.1%
Multi-unit buildings 36 2.6%
Units in multi-unit buildings 8 0.6%

Claims history since 1978

Claims since 1978
673
Total paid
$29,101,738
Paid on buildings
$23,731,570
Paid on contents
$5,370,168
NFIP claims filed per year in ZIP 77065, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 4 $9,500
1980 1 $102
1981 7 $15,880
1982 8 $7,719
1983 2 $1,222
1984 10 $34,830
1985 2 $11,106
1989 4 $13,046
1991 2 $0
1994 1 $414
1997 1 $0
1998 16 $215,140
2000 2 $1,398
2001 93 $3,124,596
2002 7 $22,012
2003 1 $0
2004 3 $18,992
2006 1 $4,148
2007 5 $78,923
2008 27 $126,613
2009 40 $936,917
2011 1 $142
2012 5 $36,699
2014 4 $16,366
2015 6 $34,494
2016 179 $9,471,948
2017 223 $14,616,462
2018 1 $0
2020 5 $52,561
2021 1 $0
2023 3 $47,337
2024 5 $58,552
2026 3 $144,618

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 223 $14,616,462
2016 179 $9,471,948
2001 93 $3,124,596

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