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Flood Figures

ZIP 77087 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, 677 NFIP flood insurance policies are in force in ZIP 77087 (Houston, TX), with 1,099 flood claims recorded since 1978.

Policies & premiums

Policies in force
677
Median annual premium
$659
premium only
Median annual cost
$893
premium + fees & surcharges
Mean annual premium
$756
premium only
Policies in SFHA zones
26.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$136,047,600
Contents coverage in force
$54,407,000

"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 77087 by rated flood zone
Policies Share Share bar
X 496 73.3%
AE 180 26.6%
A 1 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 77087 by occupancy type
Policies Share Share bar
Single-family homes 579 85.5%
Non-residential buildings 67 9.9%
Mobile homes 16 2.4%
Multi-unit buildings 14 2.1%
Units in multi-unit buildings 1 0.1%

Claims history since 1978

Claims since 1978
1,099
Total paid
$19,694,744
Paid on buildings
$15,544,397
Paid on contents
$4,150,346
NFIP claims filed per year in ZIP 77087, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 144 $1,045,454
1980 4 $700
1981 112 $859,017
1982 5 $1,008
1983 98 $951,453
1984 1 $126,910
1985 43 $570,135
1986 8 $26,657
1987 1 $0
1989 21 $237,667
1991 6 $22,889
1992 7 $7,379
1993 1 $2,363
1994 29 $533,859
1997 1 $5,708
1998 14 $35,601
2001 98 $1,439,327
2002 4 $0
2003 3 $19,102
2004 3 $1,988
2005 1 $0
2006 139 $5,964,303
2007 3 $85,772
2008 101 $496,582
2009 5 $103,235
2012 10 $150,540
2014 2 $0
2015 42 $1,022,308
2016 7 $15,282
2017 169 $5,677,858
2018 2 $62,653
2019 3 $102,019
2020 1 $9,818
2021 5 $94,042
2024 3 $23,117
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2006 139 $5,964,303
2017 169 $5,677,858
2001 98 $1,439,327

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