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Flood Figures

ZIP 77091 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, 1,099 NFIP flood insurance policies are in force in ZIP 77091 (Houston, TX), with 867 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,099
Median annual premium
$862
premium only
Median annual cost
$1,153
premium + fees & surcharges
Mean annual premium
$1,186
premium only
Policies in SFHA zones
52.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$263,885,200
Contents coverage in force
$71,741,000

"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 77091 by rated flood zone
Policies Share Share bar
X 524 47.7%
AE 515 46.9%
A 60 5.5%

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 77091 by occupancy type
Policies Share Share bar
Single-family homes 933 84.9%
Non-residential buildings 88 8.0%
Multi-unit buildings 70 6.4%
Units in multi-unit buildings 7 0.6%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
867
Total paid
$34,103,992
Paid on buildings
$27,121,940
Paid on contents
$6,982,052
NFIP claims filed per year in ZIP 77091, 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 4 $20,471
1980 15 $31,588
1981 7 $46,153
1983 12 $31,327
1984 3 $4,177
1985 1 $0
1986 2 $0
1989 3 $46,537
1990 1 $687
1991 2 $2,482
1992 4 $82,019
1997 2 $35,355
1998 3 $71,767
1999 1 $0
2001 152 $6,186,515
2002 9 $134,958
2003 5 $88,330
2004 1 $4,048
2005 2 $3,420
2006 7 $25,352
2007 4 $5,456
2008 163 $3,208,797
2009 1 $10,215
2010 2 $4,735
2012 3 $0
2014 3 $10,657
2015 35 $809,962
2016 9 $209,434
2017 313 $20,883,241
2018 1 $2,176
2019 52 $1,676,392
2020 1 $2,140
2021 2 $0
2022 8 $144,831
2023 2 $0
2024 31 $320,771

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 313 $20,883,241
2001 152 $6,186,515
2008 163 $3,208,797

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