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Flood Figures

ZIP 77071 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, 1,124 NFIP flood insurance policies are in force in ZIP 77071 (Houston, TX), with 882 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,124
Median annual premium
$858
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$1,008
premium only
Policies in SFHA zones
24.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$236,406,000
Contents coverage in force
$85,708,000

"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 77071 by rated flood zone
Policies Share Share bar
X 810 72.1%
AE 286 25.4%
A 28 2.5%

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 77071 by occupancy type
Policies Share Share bar
Single-family homes 1,009 89.8%
Multi-unit buildings 52 4.6%
Non-residential buildings 35 3.1%
Units in multi-unit buildings 28 2.5%

Claims history since 1978

Claims since 1978
882
Total paid
$23,247,145
Paid on buildings
$19,172,725
Paid on contents
$4,074,420
NFIP claims filed per year in ZIP 77071, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 13 $10,871
1980 6 $38,464
1981 29 $68,184
1982 4 $817
1983 56 $164,400
1984 1 $2,438
1985 3 $2,751
1986 2 $0
1987 11 $15,759
1989 17 $44,761
1991 2 $9,683
1992 6 $16,885
1993 1 $509
1994 15 $37,878
1995 1 $1,753
1996 4 $11,746
1997 2 $7,480
1998 8 $46,424
2000 2 $9,349
2001 56 $314,114
2002 7 $22,459
2003 17 $124,330
2004 2 $0
2005 2 $5,629
2006 1 $0
2007 9 $52,097
2008 56 $233,927
2009 7 $22,430
2010 4 $18,835
2012 33 $360,310
2013 52 $637,644
2014 4 $9,082
2015 99 $5,137,875
2016 53 $1,986,672
2017 265 $13,535,206
2019 3 $12,255
2020 6 $205,402
2021 5 $4,447
2023 3 $4,312
2024 15 $69,966

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 265 $13,535,206
2015 99 $5,137,875
2016 53 $1,986,672

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