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Flood Figures

ZIP 77072 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, 2,362 NFIP flood insurance policies are in force in ZIP 77072 (Houston, TX), with 1,446 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,362
Median annual premium
$1,094
premium only
Median annual cost
$1,420
premium + fees & surcharges
Mean annual premium
$1,403
premium only
Policies in SFHA zones
88.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$436,133,400
Contents coverage in force
$56,765,000

"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 77072 by rated flood zone
Policies Share Share bar
AE 2,005 84.9%
X 221 9.4%
A 136 5.8%

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 77072 by occupancy type
Policies Share Share bar
Single-family homes 1,448 61.3%
Multi-unit buildings 634 26.8%
Non-residential buildings 164 6.9%
Units in multi-unit buildings 116 4.9%

Claims history since 1978

Claims since 1978
1,446
Total paid
$18,174,562
Paid on buildings
$16,432,693
Paid on contents
$1,741,870
NFIP claims filed per year in ZIP 77072, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $1,521
1979 16 $22,093
1980 3 $2,977
1981 12 $6,949
1982 3 $321
1983 79 $243,880
1984 4 $2,359
1985 2 $2,548
1986 2 $0
1987 3 $1,856
1988 1 $1,058
1989 15 $33,578
1991 1 $0
1992 23 $89,069
1993 2 $573
1994 5 $5,835
1995 1 $0
1997 4 $7,687
1998 4 $22,570
1999 34 $211,718
2000 5 $4,919
2001 4 $15,889
2002 15 $71,139
2003 12 $42,943
2004 10 $36,838
2005 2 $0
2006 4 $16,434
2007 4 $13,072
2008 70 $135,893
2009 220 $4,895,339
2010 13 $51,343
2011 4 $0
2012 22 $177,744
2013 12 $66,021
2014 9 $25,980
2015 207 $4,348,982
2016 171 $3,202,382
2017 365 $4,219,684
2018 6 $0
2019 24 $125,428
2020 7 $34,350
2021 16 $2,350
2022 6 $0
2023 2 $0
2024 20 $31,239

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2009 220 $4,895,339
2015 207 $4,348,982
2017 365 $4,219,684

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