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Flood Figures

ZIP 77079 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, 4,766 NFIP flood insurance policies are in force in ZIP 77079 (Houston, TX), with 3,384 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,766
Median annual premium
$855
premium only
Median annual cost
$1,081
premium + fees & surcharges
Mean annual premium
$901
premium only
Policies in SFHA zones
11.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,142,948,000
Contents coverage in force
$417,556,000

"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 77079 by rated flood zone
Policies Share Share bar
X 4,015 84.2%
AE 751 15.8%

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 77079 by occupancy type
Policies Share Share bar
Single-family homes 4,087 85.8%
Multi-unit buildings 430 9.0%
Units in multi-unit buildings 153 3.2%
Non-residential buildings 96 2.0%

Claims history since 1978

Claims since 1978
3,384
Total paid
$430,085,876
Paid on buildings
$328,091,664
Paid on contents
$101,934,421
NFIP claims filed per year in ZIP 77079, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 10 $36,568
1979 15 $43,149
1980 14 $10,989
1981 53 $307,715
1982 5 $4,549
1983 36 $124,545
1984 4 $1,951
1985 18 $21,588
1986 2 $0
1987 5 $2,085
1988 4 $0
1989 20 $58,694
1990 2 $900
1991 3 $8,153
1992 161 $2,502,517
1993 7 $131,079
1994 19 $72,397
1995 8 $13,024
1996 2 $6,329
1997 32 $55,360
1998 31 $121,864
1999 127 $1,780,565
2000 1 $0
2001 35 $174,872
2002 64 $762,755
2003 44 $287,325
2004 4 $15,307
2005 11 $51,651
2006 11 $56,727
2007 28 $223,693
2008 55 $235,471
2009 467 $18,405,583
2010 7 $53,185
2011 4 $19,429
2012 25 $356,225
2013 4 $20,272
2014 5 $60,719
2015 66 $1,341,908
2016 167 $6,560,334
2017 1,757 $395,327,650
2018 3 $9,838
2019 15 $380,137
2020 6 $0
2021 4 $110,361
2022 9 $102,501
2024 11 $176,170
2025 3 $49,742

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 1,757 $395,327,650
2009 467 $18,405,583
2016 167 $6,560,334

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