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Flood Figures

ZIP 77093 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, 1,029 NFIP flood insurance policies are in force in ZIP 77093 (Houston, TX), with 2,977 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,029
Median annual premium
$883
premium only
Median annual cost
$1,185
premium + fees & surcharges
Mean annual premium
$1,140
premium only
Policies in SFHA zones
74.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$174,015,800
Contents coverage in force
$41,457,000

"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 77093 by rated flood zone
Policies Share Share bar
AE 757 73.6%
X 259 25.2%
A 13 1.3%

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 77093 by occupancy type
Policies Share Share bar
Single-family homes 852 82.8%
Non-residential buildings 103 10.0%
Multi-unit buildings 69 6.7%
Mobile homes 5 0.5%

Claims history since 1978

Claims since 1978
2,977
Total paid
$78,468,330
Paid on buildings
$61,306,538
Paid on contents
$17,059,058
NFIP claims filed per year in ZIP 77093, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 64 $456,862
1980 5 $2,906
1981 5 $4,037
1982 8 $18,477
1983 57 $183,306
1984 129 $1,620,504
1986 1 $1,202
1987 3 $2,139
1989 237 $3,333,683
1990 1 $0
1991 4 $10,344
1992 186 $3,635,679
1993 9 $18,429
1994 10 $46,427
1995 2 $3,219
1996 2 $5,686
1997 140 $1,890,089
1998 7 $6,054
1999 2 $0
2000 3 $0
2001 747 $21,997,005
2002 44 $326,589
2003 12 $34,362
2004 1 $5,085
2005 1 $3,822
2006 22 $353,629
2007 6 $38,842
2008 294 $7,337,446
2009 15 $95,890
2010 10 $38,759
2012 5 $17,430
2013 2 $5,006
2014 7 $47,724
2015 70 $1,348,199
2016 6 $13,639
2017 563 $27,120,906
2018 9 $130,913
2019 236 $6,731,188
2020 1 $0
2021 6 $71,551
2022 2 $0
2023 3 $29,342
2024 38 $1,459,030
2025 1 $0
2026 1 $22,932

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 563 $27,120,906
2001 747 $21,997,005
2008 294 $7,337,446

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