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Flood Figures

ZIP 77094 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, 1,292 NFIP flood insurance policies are in force in ZIP 77094 (Houston, TX), with 179 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,292
Median annual premium
$399
premium only
Median annual cost
$551
premium + fees & surcharges
Mean annual premium
$598
premium only
Policies in SFHA zones
2.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$325,039,000
Contents coverage in force
$126,412,000

"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 77094 by rated flood zone
Policies Share Share bar
X 1,263 97.8%
AE 29 2.2%

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 77094 by occupancy type
Policies Share Share bar
Single-family homes 1,227 95.0%
Units in multi-unit buildings 23 1.8%
Non-residential buildings 22 1.7%
Multi-unit buildings 20 1.5%

Claims history since 1978

Claims since 1978
179
Total paid
$16,988,071
Paid on buildings
$13,032,032
Paid on contents
$3,956,039
NFIP claims filed per year in ZIP 77094, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
2002 1 $0
2003 1 $0
2005 1 $0
2008 4 $0
2009 16 $224,601
2012 2 $21,504
2013 1 $29,587
2014 1 $0
2016 1 $0
2017 144 $16,666,800
2019 2 $25,599
2020 3 $19,980
2021 1 $0
2022 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 144 $16,666,800
2009 16 $224,601
2013 1 $29,587

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