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Flood Figures

ZIP 77081 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, 558 NFIP flood insurance policies are in force in ZIP 77081 (Houston, TX), with 325 flood claims recorded since 1978.

Policies & premiums

Policies in force
558
Median annual premium
$1,007
premium only
Median annual cost
$1,339
premium + fees & surcharges
Mean annual premium
$1,473
premium only
Policies in SFHA zones
50.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$138,976,000
Contents coverage in force
$41,260,000

"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 77081 by rated flood zone
Policies Share Share bar
AE 306 54.8%
X 252 45.2%

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 77081 by occupancy type
Policies Share Share bar
Single-family homes 338 60.6%
Multi-unit buildings 102 18.3%
Non-residential buildings 96 17.2%
Units in multi-unit buildings 22 3.9%

Claims history since 1978

Claims since 1978
325
Total paid
$7,516,034
Paid on buildings
$6,301,297
Paid on contents
$1,214,737
NFIP claims filed per year in ZIP 77081, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $582
1979 21 $194,035
1980 2 $0
1981 25 $57,498
1983 19 $66,053
1985 3 $0
1987 4 $24,584
1989 8 $0
1994 5 $52,524
1997 4 $19,298
1999 3 $17,676
2000 1 $7,183
2001 37 $879,868
2003 1 $38,237
2006 1 $8,067
2007 1 $2,485
2008 14 $10,036
2009 7 $144,848
2012 2 $48,712
2013 3 $12,340
2015 22 $1,110,366
2016 28 $825,864
2017 108 $3,990,168
2024 5 $5,610

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 108 $3,990,168
2015 22 $1,110,366
2001 37 $879,868

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