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Flood Figures

ZIP 77092 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, 2,033 NFIP flood insurance policies are in force in ZIP 77092 (Houston, TX), with 875 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,033
Median annual premium
$984
premium only
Median annual cost
$1,261
premium + fees & surcharges
Mean annual premium
$1,377
premium only
Policies in SFHA zones
51.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$471,624,000
Contents coverage in force
$120,584,000

"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 77092 by rated flood zone
Policies Share Share bar
AE 1,136 55.9%
X 897 44.1%

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 77092 by occupancy type
Policies Share Share bar
Single-family homes 1,378 67.8%
Multi-unit buildings 439 21.6%
Non-residential buildings 117 5.8%
Units in multi-unit buildings 99 4.9%

Claims history since 1978

Claims since 1978
875
Total paid
$36,684,759
Paid on buildings
$30,328,163
Paid on contents
$6,304,914
NFIP claims filed per year in ZIP 77092, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 10 $21,374
1980 11 $15,935
1981 1 $650
1983 17 $49,530
1984 1 $0
1986 3 $387
1987 1 $523
1989 3 $10,559
1991 1 $2,265
1992 19 $189,735
1994 2 $19,712
1995 1 $0
1997 2 $917
1998 8 $65,296
2000 1 $2,646
2001 204 $7,842,498
2002 8 $175,901
2003 24 $609,202
2004 1 $0
2005 1 $0
2006 6 $10,220
2007 6 $117,735
2008 90 $2,123,955
2009 10 $128,891
2012 4 $11,231
2013 1 $0
2014 2 $9,947
2015 60 $2,053,877
2016 15 $232,606
2017 272 $20,068,204
2018 3 $5,326
2019 49 $2,268,158
2020 3 $34,886
2021 1 $0
2022 4 $89,227
2023 2 $0
2024 27 $523,364
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 272 $20,068,204
2001 204 $7,842,498
2019 49 $2,268,158

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