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Flood Figures

ZIP 77080 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, 2,347 NFIP flood insurance policies are in force in ZIP 77080 (Houston, TX), with 1,543 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,347
Median annual premium
$735
premium only
Median annual cost
$968
premium + fees & surcharges
Mean annual premium
$817
premium only
Policies in SFHA zones
23.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$533,509,000
Contents coverage in force
$189,068,000

"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 77080 by rated flood zone
Policies Share Share bar
X 1,808 77.0%
AE 530 22.6%
AO 9 0.4%

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 77080 by occupancy type
Policies Share Share bar
Single-family homes 2,220 94.6%
Non-residential buildings 73 3.1%
Units in multi-unit buildings 34 1.4%
Multi-unit buildings 20 0.9%

Claims history since 1978

Claims since 1978
1,543
Total paid
$46,496,749
Paid on buildings
$39,387,723
Paid on contents
$7,109,027
NFIP claims filed per year in ZIP 77080, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $337
1980 3 $19,539
1981 4 $4,337
1983 11 $11,602
1984 1 $3,425
1985 1 $0
1989 7 $18,791
1991 1 $0
1992 71 $785,238
1993 1 $2,832
1994 2 $24,718
1996 1 $0
1997 3 $121,245
1998 8 $30,821
1999 2 $5,818
2000 1 $0
2001 60 $1,094,355
2002 37 $276,723
2003 40 $569,201
2004 1 $0
2005 2 $490
2007 79 $1,493,584
2008 51 $560,749
2009 285 $9,863,775
2010 3 $21,586
2012 2 $0
2013 3 $6,043
2014 12 $77,508
2015 283 $11,132,830
2016 90 $2,360,158
2017 135 $3,774,088
2018 3 $0
2019 299 $13,259,775
2020 3 $45,624
2021 2 $0
2022 11 $367,188
2023 1 $9,001
2024 20 $553,645
2025 1 $1,724

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2019 299 $13,259,775
2015 283 $11,132,830
2009 285 $9,863,775

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