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Flood Figures

ZIP 77088 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, 1,657 NFIP flood insurance policies are in force in ZIP 77088 (Houston, TX), with 4,661 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,657
Median annual premium
$859
premium only
Median annual cost
$1,087
premium + fees & surcharges
Mean annual premium
$1,035
premium only
Policies in SFHA zones
36.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$343,964,000
Contents coverage in force
$101,252,000

"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 77088 by rated flood zone
Policies Share Share bar
X 1,045 63.1%
AE 612 36.9%

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 77088 by occupancy type
Policies Share Share bar
Single-family homes 1,568 94.6%
Multi-unit buildings 52 3.1%
Non-residential buildings 25 1.5%
Units in multi-unit buildings 12 0.7%

Claims history since 1978

Claims since 1978
4,661
Total paid
$174,927,089
Paid on buildings
$132,776,876
Paid on contents
$41,793,059
NFIP claims filed per year in ZIP 77088, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $2,789
1979 9 $10,005
1980 8 $4,544
1981 252 $3,609,579
1982 3 $1,172
1983 20 $30,548
1984 20 $61,263
1985 5 $0
1986 4 $779
1989 334 $3,681,322
1990 1 $744
1991 9 $17,078
1992 356 $10,987,491
1993 1 $0
1994 11 $2,815
1995 3 $4,147
1996 2 $0
1997 23 $67,926
1998 148 $2,592,197
1999 2 $9,153
2000 2 $0
2001 1,315 $61,535,019
2002 392 $12,361,117
2003 151 $3,052,527
2004 10 $49,078
2005 4 $449
2006 59 $973,994
2007 21 $44,296
2008 183 $1,555,016
2009 4 $31,265
2010 2 $7,943
2011 1 $7,565
2012 1 $0
2013 1 $0
2014 3 $5,824
2015 18 $168,173
2016 463 $29,296,330
2017 703 $42,386,725
2018 3 $36,180
2019 53 $1,504,530
2020 2 $49,670
2021 10 $25,397
2022 7 $169,151
2023 1 $0
2024 36 $583,290
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 1,315 $61,535,019
2017 703 $42,386,725
2016 463 $29,296,330

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