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Flood Figures

ZIP 77086 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, 386 NFIP flood insurance policies are in force in ZIP 77086 (Houston, TX), with 287 flood claims recorded since 1978.

Policies & premiums

Policies in force
386
Median annual premium
$632
premium only
Median annual cost
$846
premium + fees & surcharges
Mean annual premium
$850
premium only
Policies in SFHA zones
17.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$85,763,600
Contents coverage in force
$36,683,000

"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 77086 by rated flood zone
Policies Share Share bar
X 317 82.1%
AE 62 16.1%
A 7 1.8%

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 77086 by occupancy type
Policies Share Share bar
Single-family homes 321 83.2%
Non-residential buildings 60 15.5%
Units in multi-unit buildings 2 0.5%
Multi-unit buildings 2 0.5%
Mobile homes 1 0.3%

Claims history since 1978

Claims since 1978
287
Total paid
$6,410,989
Paid on buildings
$5,161,629
Paid on contents
$1,249,360
NFIP claims filed per year in ZIP 77086, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $18,264
1981 1 $15,322
1983 4 $3,934
1984 7 $27,592
1989 9 $8,733
1992 6 $58,940
1996 1 $15,512
1997 1 $967
1998 4 $18,202
2001 29 $824,420
2002 51 $1,281,321
2003 25 $249,372
2004 3 $29,707
2006 23 $606,175
2008 23 $187,877
2009 4 $38,439
2010 3 $0
2015 13 $166,009
2016 23 $549,525
2017 44 $1,932,703
2018 1 $60,912
2019 2 $13,041
2021 1 $0
2024 8 $304,020

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 44 $1,932,703
2002 51 $1,281,321
2001 29 $824,420

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