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Flood Figures

ZIP 77074 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, 2,547 NFIP flood insurance policies are in force in ZIP 77074 (Houston, TX), with 2,828 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,547
Median annual premium
$1,152
premium only
Median annual cost
$1,501
premium + fees & surcharges
Mean annual premium
$1,479
premium only
Policies in SFHA zones
85.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$525,784,800
Contents coverage in force
$102,383,000

"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 77074 by rated flood zone
Policies Share Share bar
AE 2,142 84.1%
X 306 12.0%
A 99 3.9%

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 77074 by occupancy type
Policies Share Share bar
Single-family homes 1,614 63.4%
Multi-unit buildings 708 27.8%
Non-residential buildings 138 5.4%
Units in multi-unit buildings 87 3.4%

Claims history since 1978

Claims since 1978
2,828
Total paid
$176,688,047
Paid on buildings
$149,502,528
Paid on contents
$26,841,683
NFIP claims filed per year in ZIP 77074, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 7 $13,723
1979 45 $367,912
1980 2 $245
1981 17 $20,289
1983 172 $2,847,185
1984 2 $24,537
1985 2 $1,042
1986 1 $0
1987 8 $12,450
1989 11 $9,296
1990 1 $596
1991 3 $6,227
1992 51 $1,707,671
1993 3 $8,904
1994 11 $68,265
1995 3 $0
1996 1 $0
1997 10 $26,532
1998 6 $11,094
1999 4 $9,230
2000 2 $0
2001 63 $417,237
2002 3 $2,794
2003 103 $3,356,306
2004 1 $2,898
2005 1 $30,000
2006 1 $0
2007 7 $17,337
2008 74 $756,767
2009 15 $315,772
2010 6 $21,892
2011 2 $0
2012 63 $1,733,333
2013 6 $80,650
2014 6 $10,649
2015 506 $35,913,262
2016 394 $15,344,513
2017 1,163 $112,200,588
2018 2 $10,427
2019 12 $704,014
2020 7 $44,441
2021 9 $0
2022 4 $27,184
2023 1 $0
2024 17 $562,785

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 1,163 $112,200,588
2015 506 $35,913,262
2016 394 $15,344,513

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