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Flood Figures

ZIP 77082 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, 2,714 NFIP flood insurance policies are in force in ZIP 77082 (Houston, TX), with 1,033 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,714
Median annual premium
$857
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$1,025
premium only
Policies in SFHA zones
68.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$637,912,000
Contents coverage in force
$151,605,000

"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 77082 by rated flood zone
Policies Share Share bar
AE 1,878 69.2%
X 834 30.7%
A 1 0.0%
AO 1 0.0%

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 77082 by occupancy type
Policies Share Share bar
Single-family homes 2,230 82.2%
Multi-unit buildings 328 12.1%
Non-residential buildings 93 3.4%
Units in multi-unit buildings 63 2.3%

Claims history since 1978

Claims since 1978
1,033
Total paid
$7,601,225
Paid on buildings
$6,446,864
Paid on contents
$1,154,362
NFIP claims filed per year in ZIP 77082, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $1,298
1980 2 $0
1981 4 $5,003
1983 7 $3,467
1984 1 $0
1985 3 $989
1987 4 $854
1988 1 $0
1989 22 $16,545
1990 2 $2,594
1991 9 $8,358
1992 125 $1,137,563
1993 4 $2,785
1994 19 $36,929
1995 9 $5,824
1996 3 $0
1997 25 $83,437
1998 34 $152,101
1999 23 $63,738
2000 3 $7,102
2001 39 $419,409
2002 27 $116,798
2003 29 $123,034
2004 8 $16,917
2005 8 $490
2006 5 $32,525
2007 7 $33,136
2008 97 $261,856
2009 127 $2,136,743
2010 6 $6,901
2011 3 $4,155
2012 7 $24,740
2013 4 $118
2014 4 $2,370
2015 52 $304,660
2016 44 $379,161
2017 215 $1,939,393
2018 3 $0
2019 13 $185,804
2020 3 $0
2021 9 $10,328
2022 4 $0
2023 1 $0
2024 15 $74,099

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2009 127 $2,136,743
2017 215 $1,939,393
1992 125 $1,137,563

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