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Flood Figures

ZIP 77077 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, 3,472 NFIP flood insurance policies are in force in ZIP 77077 (Houston, TX), with 1,761 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,472
Median annual premium
$857
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$900
premium only
Policies in SFHA zones
6.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$831,451,000
Contents coverage in force
$325,241,000

"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 77077 by rated flood zone
Policies Share Share bar
X 3,259 93.9%
AE 213 6.1%

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 77077 by occupancy type
Policies Share Share bar
Single-family homes 3,249 93.6%
Units in multi-unit buildings 117 3.4%
Non-residential buildings 83 2.4%
Multi-unit buildings 22 0.6%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
1,761
Total paid
$103,355,066
Paid on buildings
$79,898,308
Paid on contents
$23,456,758
NFIP claims filed per year in ZIP 77077, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 5 $2,073
1979 25 $195,370
1980 2 $12,890
1981 52 $156,471
1982 6 $114
1983 44 $70,036
1984 5 $4,688
1985 12 $23,090
1987 4 $1,311
1989 13 $22,533
1990 2 $0
1991 5 $7,818
1992 56 $340,501
1993 3 $5,136
1994 10 $12,671
1995 5 $0
1996 1 $18,073
1997 18 $51,729
1998 20 $34,619
1999 44 $218,717
2000 3 $12,374
2001 23 $92,641
2002 38 $125,087
2003 32 $158,135
2004 6 $9,818
2005 5 $6,670
2006 5 $16,698
2007 17 $56,647
2008 52 $144,277
2009 293 $6,668,154
2010 11 $42,486
2011 1 $0
2012 10 $34,034
2013 7 $22,495
2014 5 $99,159
2015 55 $557,396
2016 81 $1,388,581
2017 719 $92,129,930
2018 4 $31,011
2019 22 $295,401
2020 7 $80,992
2021 8 $15,601
2022 7 $60,176
2023 5 $20,823
2024 13 $108,640

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 719 $92,129,930
2009 293 $6,668,154
2016 81 $1,388,581

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