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Flood Figures

ZIP 77090 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, 727 NFIP flood insurance policies are in force in ZIP 77090 (Houston, TX), with 1,865 flood claims recorded since 1978.

Policies & premiums

Policies in force
727
Median annual premium
$699
premium only
Median annual cost
$935
premium + fees & surcharges
Mean annual premium
$801
premium only
Policies in SFHA zones
46.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$171,525,600
Contents coverage in force
$54,634,000

"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 77090 by rated flood zone
Policies Share Share bar
X 388 53.4%
AE 338 46.5%
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 77090 by occupancy type
Policies Share Share bar
Single-family homes 622 85.6%
Non-residential buildings 62 8.5%
Multi-unit buildings 35 4.8%
Units in multi-unit buildings 6 0.8%
Mobile homes 2 0.3%

Claims history since 1978

Claims since 1978
1,865
Total paid
$148,767,615
Paid on buildings
$116,001,491
Paid on contents
$32,712,283
NFIP claims filed per year in ZIP 77090, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $5,494
1979 9 $120,156
1980 1 $153
1981 49 $410,100
1982 2 $20,271
1983 12 $33,551
1984 92 $1,983,336
1985 6 $1,962
1986 3 $4,170
1987 10 $7,992
1989 334 $11,324,621
1990 1 $29,351
1991 5 $8,963
1992 6 $78,129
1993 7 $12,298
1994 49 $1,934,565
1995 1 $0
1996 1 $1,000
1997 3 $1,561
1998 82 $3,438,121
1999 3 $7,483
2000 2 $0
2001 430 $31,512,005
2002 7 $44,049
2003 32 $428,556
2004 2 $3,626
2005 3 $16,920
2006 7 $50,464
2007 4 $26,648
2008 38 $211,618
2009 7 $56,537
2010 3 $24,392
2012 3 $16,176
2014 4 $8,048
2015 4 $64,491
2016 176 $10,807,219
2017 439 $85,347,848
2018 1 $13,843
2019 5 $155,836
2020 1 $0
2021 5 $68,751
2023 5 $48,878
2024 7 $438,434

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 439 $85,347,848
2001 430 $31,512,005
1989 334 $11,324,621

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