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Flood Figures

ZIP 77075 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, 1,068 NFIP flood insurance policies are in force in ZIP 77075 (Houston, TX), with 1,494 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,068
Median annual premium
$858
premium only
Median annual cost
$1,085
premium + fees & surcharges
Mean annual premium
$1,011
premium only
Policies in SFHA zones
20.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$238,850,600
Contents coverage in force
$85,807,000

"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 77075 by rated flood zone
Policies Share Share bar
X 852 79.8%
AE 215 20.1%
A 1 0.1%

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 77075 by occupancy type
Policies Share Share bar
Single-family homes 948 88.8%
Non-residential buildings 87 8.1%
Multi-unit buildings 19 1.8%
Units in multi-unit buildings 7 0.7%
Mobile homes 7 0.7%

Claims history since 1978

Claims since 1978
1,494
Total paid
$61,229,775
Paid on buildings
$46,534,067
Paid on contents
$14,695,708
NFIP claims filed per year in ZIP 77075, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 62 $528,017
1980 2 $1,386
1981 69 $293,072
1982 2 $382
1983 75 $221,763
1984 2 $0
1985 10 $67,327
1987 1 $0
1989 61 $544,964
1991 7 $38,123
1992 2 $4,166
1993 4 $6,044
1994 98 $2,973,248
1996 2 $3,717
1997 12 $45,315
1998 7 $135,775
1999 1 $3,006
2000 2 $0
2001 192 $5,263,754
2002 7 $4,143
2004 1 $24,493
2005 5 $39,506
2006 103 $3,087,862
2007 18 $273,773
2008 115 $1,675,038
2009 51 $648,385
2010 5 $26,661
2012 3 $5,013
2013 2 $27,581
2014 1 $7,229
2015 26 $488,119
2016 4 $87,146
2017 485 $42,839,891
2018 2 $13,505
2019 5 $41,444
2020 28 $1,160,091
2021 3 $0
2024 19 $649,837

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 485 $42,839,891
2001 192 $5,263,754
2006 103 $3,087,862

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