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Flood Figures

ZIP 77073 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, 669 NFIP flood insurance policies are in force in ZIP 77073 (Houston, TX), with 806 flood claims recorded since 1978.

Policies & premiums

Policies in force
669
Median annual premium
$685
premium only
Median annual cost
$926
premium + fees & surcharges
Mean annual premium
$818
premium only
Policies in SFHA zones
15.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$158,304,000
Contents coverage in force
$67,451,000

"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 77073 by rated flood zone
Policies Share Share bar
X 563 84.2%
AE 106 15.8%

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 77073 by occupancy type
Policies Share Share bar
Single-family homes 594 88.8%
Non-residential buildings 75 11.2%

Claims history since 1978

Claims since 1978
806
Total paid
$33,396,329
Paid on buildings
$22,863,965
Paid on contents
$10,532,363
NFIP claims filed per year in ZIP 77073, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 12 $40,579
1979 46 $691,716
1980 3 $982
1981 76 $2,182,379
1982 3 $14,820
1983 53 $1,207,020
1984 90 $4,269,178
1985 1 $0
1986 1 $0
1987 10 $133,695
1988 1 $0
1989 207 $9,366,343
1990 1 $14,264
1991 5 $4,094
1992 3 $17,130
1993 4 $48,306
1994 1 $1,204
1997 6 $7,457
1998 6 $8,215
2000 1 $0
2001 29 $1,099,823
2002 9 $74,596
2003 10 $89,167
2004 1 $11,769
2005 4 $23,176
2006 2 $57,484
2007 1 $25,524
2008 20 $108,754
2009 3 $7,852
2012 2 $21,840
2014 1 $20,841
2015 6 $47,126
2016 21 $342,160
2017 142 $13,119,509
2018 1 $0
2019 12 $209,890
2020 1 $10,892
2021 1 $0
2022 1 $27,272
2023 1 $6,310
2024 8 $84,961

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 142 $13,119,509
1989 207 $9,366,343
1984 90 $4,269,178

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