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Flood Figures

ZIP 77069 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, 1,192 NFIP flood insurance policies are in force in ZIP 77069 (Houston, TX), with 518 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,192
Median annual premium
$858
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$981
premium only
Policies in SFHA zones
9.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$286,241,000
Contents coverage in force
$106,450,000

"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 77069 by rated flood zone
Policies Share Share bar
X 1,011 84.8%
AE 181 15.2%

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 77069 by occupancy type
Policies Share Share bar
Single-family homes 1,067 89.5%
Multi-unit buildings 82 6.9%
Units in multi-unit buildings 27 2.3%
Non-residential buildings 16 1.3%

Claims history since 1978

Claims since 1978
518
Total paid
$54,521,784
Paid on buildings
$41,463,915
Paid on contents
$13,057,869
NFIP claims filed per year in ZIP 77069, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 5 $17,112
1980 2 $705
1981 15 $26,293
1982 4 $0
1983 14 $86,885
1984 14 $36,287
1987 1 $0
1989 13 $92,960
1992 3 $3,230
1994 4 $60,308
1996 1 $0
1998 12 $198,176
1999 1 $0
2000 2 $4,608
2001 67 $2,403,834
2002 7 $39,913
2003 6 $70,809
2004 2 $2,070
2005 8 $87,775
2006 7 $92,855
2007 9 $48,759
2008 15 $40,784
2009 2 $7,639
2010 2 $0
2012 4 $7,803
2014 3 $38,838
2015 9 $60,231
2016 52 $1,964,370
2017 218 $48,983,348
2018 3 $0
2019 4 $21,233
2021 3 $0
2023 2 $37,098
2024 4 $87,861

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 218 $48,983,348
2001 67 $2,403,834
2016 52 $1,964,370

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