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Flood Figures

ZIP 77068 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, 615 NFIP flood insurance policies are in force in ZIP 77068 (Houston, TX), with 641 flood claims recorded since 1978.

Policies & premiums

Policies in force
615
Median annual premium
$857
premium only
Median annual cost
$1,083
premium + fees & surcharges
Mean annual premium
$906
premium only
Policies in SFHA zones
17.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$158,690,000
Contents coverage in force
$56,159,000

"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 77068 by rated flood zone
Policies Share Share bar
X 510 82.9%
AE 105 17.1%

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 77068 by occupancy type
Policies Share Share bar
Single-family homes 552 89.8%
Multi-unit buildings 36 5.9%
Non-residential buildings 27 4.4%

Claims history since 1978

Claims since 1978
641
Total paid
$54,635,498
Paid on buildings
$42,067,870
Paid on contents
$12,547,628
NFIP claims filed per year in ZIP 77068, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $43,360
1980 1 $0
1981 14 $8,790
1982 1 $11,033
1983 10 $33,831
1984 28 $108,918
1986 1 $0
1987 1 $1,054
1989 42 $813,658
1990 1 $3,426
1991 1 $3,002
1992 3 $2,411
1993 4 $7,479
1994 6 $20,828
1997 2 $11,231
1998 8 $68,308
2000 2 $6,566
2001 115 $5,672,577
2002 5 $25,274
2003 8 $183,372
2004 3 $18,571
2005 15 $518,372
2006 5 $115,494
2007 3 $7,118
2008 36 $589,074
2009 2 $3,254
2010 2 $0
2011 1 $0
2012 1 $0
2013 3 $0
2014 3 $10,466
2015 2 $30,376
2016 75 $5,432,126
2017 211 $40,716,814
2018 1 $46,608
2019 2 $20,532
2020 2 $5,394
2021 7 $31,061
2022 2 $0
2023 2 $65,120
2024 5 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 211 $40,716,814
2001 115 $5,672,577
2016 75 $5,432,126

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