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Flood Figures

ZIP 77084 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, 4,316 NFIP flood insurance policies are in force in ZIP 77084 (Houston, TX), with 3,057 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,316
Median annual premium
$743
premium only
Median annual cost
$983
premium + fees & surcharges
Mean annual premium
$763
premium only
Policies in SFHA zones
17.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,003,395,400
Contents coverage in force
$353,338,000

"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 77084 by rated flood zone
Policies Share Share bar
X 3,571 82.7%
AE 741 17.2%
A 4 0.1%

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 77084 by occupancy type
Policies Share Share bar
Single-family homes 3,979 92.2%
Non-residential buildings 151 3.5%
Multi-unit buildings 125 2.9%
Units in multi-unit buildings 60 1.4%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
3,057
Total paid
$272,407,982
Paid on buildings
$207,476,971
Paid on contents
$64,901,011
NFIP claims filed per year in ZIP 77084, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 6 $4,386
1980 9 $2,322
1981 37 $63,385
1982 4 $1,951
1983 30 $15,771
1984 2 $1,618
1985 4 $285
1988 2 $330
1989 4 $29,971
1990 1 $831
1991 1 $0
1992 4 $3,240
1994 5 $9,224
1997 6 $64,709
1998 15 $16,233
1999 4 $13,489
2000 5 $9,557
2001 5 $21,357
2002 40 $577,073
2003 4 $7,188
2004 1 $0
2005 4 $29,675
2006 16 $177,249
2007 7 $23,719
2008 136 $1,909,134
2009 346 $16,178,840
2010 6 $3,275
2011 1 $0
2012 7 $10,238
2013 9 $57,449
2014 11 $160,965
2015 18 $152,788
2016 617 $41,560,611
2017 1,598 $209,948,991
2018 7 $93,990
2019 5 $2,672
2020 27 $622,409
2021 14 $9,953
2022 1 $0
2023 1 $6,775
2024 36 $616,332
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 1,598 $209,948,991
2016 617 $41,560,611
2009 346 $16,178,840

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