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Flood Figures

ZIP 77078 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, 613 NFIP flood insurance policies are in force in ZIP 77078 (Houston, TX), with 556 flood claims recorded since 1978.

Policies & premiums

Policies in force
613
Median annual premium
$725
premium only
Median annual cost
$970
premium + fees & surcharges
Mean annual premium
$724
premium only
Policies in SFHA zones
4.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$114,783,000
Contents coverage in force
$41,369,000

"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 77078 by rated flood zone
Policies Share Share bar
X 585 95.4%
AE 28 4.6%

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 77078 by occupancy type
Policies Share Share bar
Single-family homes 605 98.7%
Non-residential buildings 6 1.0%
Multi-unit buildings 2 0.3%

Claims history since 1978

Claims since 1978
556
Total paid
$30,777,605
Paid on buildings
$22,237,036
Paid on contents
$8,530,051
NFIP claims filed per year in ZIP 77078, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $16,572
1981 2 $9,166
1983 3 $12,475
1986 1 $0
1987 1 $0
1989 6 $59,971
1991 1 $0
1992 5 $59,413
1993 1 $1,913
1994 3 $3,832
1997 2 $21,356
1999 1 $2,684
2001 73 $2,902,411
2002 4 $8,805
2003 1 $0
2006 5 $32,506
2007 2 $0
2008 26 $85,596
2009 1 $916
2012 3 $52,194
2013 2 $0
2015 9 $44,396
2016 2 $15,456
2017 347 $27,182,440
2018 2 $0
2019 32 $192,855
2020 2 $0
2021 8 $0
2022 1 $0
2023 2 $5,961
2024 4 $61,034
2026 1 $5,654

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 347 $27,182,440
2001 73 $2,902,411
2019 32 $192,855

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