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Flood Figures

ZIP 77089 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, 4,493 NFIP flood insurance policies are in force in ZIP 77089 (Houston, TX), with 6,742 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,493
Median annual premium
$808
premium only
Median annual cost
$1,046
premium + fees & surcharges
Mean annual premium
$826
premium only
Policies in SFHA zones
40.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$984,950,200
Contents coverage in force
$319,223,000

"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 77089 by rated flood zone
Policies Share Share bar
X 2,657 59.1%
AE 1,834 40.8%
A 2 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 77089 by occupancy type
Policies Share Share bar
Single-family homes 4,262 94.9%
Non-residential buildings 106 2.4%
Multi-unit buildings 95 2.1%
Units in multi-unit buildings 30 0.7%

Claims history since 1978

Claims since 1978
6,742
Total paid
$249,918,206
Paid on buildings
$194,550,204
Paid on contents
$55,233,043
NFIP claims filed per year in ZIP 77089, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $18,994
1979 1,246 $12,385,879
1980 11 $3,614
1981 435 $2,000,085
1982 30 $44,431
1983 211 $558,122
1984 5 $1,968
1985 66 $132,753
1986 3 $381
1987 4 $2,880
1989 260 $785,900
1991 8 $4,398
1992 8 $8,001
1993 22 $198,462
1994 76 $392,868
1995 3 $2,625
1996 1 $0
1997 49 $369,194
1998 76 $476,298
1999 3 $195
2000 5 $2,763
2001 1,202 $36,809,958
2002 12 $55,682
2003 4 $1,613
2004 3 $15,943
2005 6 $54,425
2006 88 $1,235,592
2007 33 $181,369
2008 264 $1,020,090
2009 228 $3,840,175
2010 10 $25,225
2011 1 $0
2012 10 $37,773
2013 4 $12,230
2014 1 $4,766
2015 35 $218,499
2016 3 $36,466
2017 2,246 $188,540,715
2018 1 $5,163
2019 16 $184,389
2020 17 $161,978
2021 7 $5,410
2022 3 $7,598
2023 3 $0
2024 19 $65,644
2025 2 $7,692
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 2,246 $188,540,715
2001 1,202 $36,809,958
1979 1,246 $12,385,879

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