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Flood Figures

ZIP 77076 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, 440 NFIP flood insurance policies are in force in ZIP 77076 (Houston, TX), with 1,025 flood claims recorded since 1978.

Policies & premiums

Policies in force
440
Median annual premium
$855
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$1,143
premium only
Policies in SFHA zones
9.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$96,962,000
Contents coverage in force
$31,919,000

"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 77076 by rated flood zone
Policies Share Share bar
X 398 90.5%
AE 42 9.5%

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 77076 by occupancy type
Policies Share Share bar
Single-family homes 372 84.5%
Multi-unit buildings 39 8.9%
Non-residential buildings 28 6.4%
Mobile homes 1 0.2%

Claims history since 1978

Claims since 1978
1,025
Total paid
$25,964,140
Paid on buildings
$20,501,498
Paid on contents
$5,462,642
NFIP claims filed per year in ZIP 77076, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 7 $21,925
1980 2 $635
1981 5 $11,411
1982 1 $1,072
1983 19 $117,108
1984 11 $164,030
1985 1 $2,361
1986 2 $2,888
1989 33 $308,541
1991 1 $3,459
1992 43 $437,714
1993 4 $1,587
1994 4 $122,346
1997 39 $488,430
1998 14 $88,898
1999 2 $538
2001 146 $3,773,358
2002 19 $179,396
2003 5 $9,356
2004 2 $1,158
2006 4 $42,676
2007 1 $47,333
2008 300 $10,041,044
2009 13 $125,332
2010 16 $125,264
2012 2 $7,227
2015 76 $1,360,742
2016 1 $0
2017 113 $3,990,209
2018 1 $26,805
2019 113 $3,813,438
2020 1 $0
2021 2 $0
2024 22 $647,858

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 300 $10,041,044
2017 113 $3,990,209
2019 113 $3,813,438

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