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Flood Figures

ZIP 77070 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, 2,523 NFIP flood insurance policies are in force in ZIP 77070 (Houston, TX), with 1,834 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,523
Median annual premium
$859
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$971
premium only
Policies in SFHA zones
13.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$618,157,000
Contents coverage in force
$229,861,000

"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 77070 by rated flood zone
Policies Share Share bar
X 2,191 86.8%
AE 332 13.2%

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 77070 by occupancy type
Policies Share Share bar
Single-family homes 2,206 87.4%
Non-residential buildings 135 5.4%
Multi-unit buildings 117 4.6%
Units in multi-unit buildings 64 2.5%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
1,834
Total paid
$198,158,676
Paid on buildings
$152,575,391
Paid on contents
$45,528,285
NFIP claims filed per year in ZIP 77070, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 26 $124,436
1980 2 $1,590
1981 17 $18,813
1982 8 $5,390
1983 13 $7,150
1984 8 $18,659
1985 7 $5,709
1986 1 $0
1989 22 $149,099
1990 2 $67
1991 6 $871
1993 1 $699
1994 50 $2,578,646
1996 2 $1,719
1997 7 $24,009
1998 85 $3,179,354
1999 3 $6,101
2000 4 $7,735
2001 173 $5,347,398
2002 6 $9,269
2003 1 $1,433
2004 4 $50,765
2005 4 $7,134
2006 8 $27,646
2007 7 $47,417
2008 44 $140,818
2009 23 $229,914
2010 3 $3,984
2012 46 $1,894,823
2013 1 $0
2014 7 $33,656
2015 7 $32,690
2016 299 $30,042,530
2017 907 $153,745,284
2018 5 $31,274
2019 3 $27,964
2020 2 $2,520
2021 6 $4,767
2023 8 $308,112
2024 4 $20,493
2026 2 $18,739

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 907 $153,745,284
2016 299 $30,042,530
2001 173 $5,347,398

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