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Flood Figures

ZIP 77095 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, 3,498 NFIP flood insurance policies are in force in ZIP 77095 (Houston, TX), with 682 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,498
Median annual premium
$659
premium only
Median annual cost
$863
premium + fees & surcharges
Mean annual premium
$691
premium only
Policies in SFHA zones
0.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$843,450,000
Contents coverage in force
$333,026,000

"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 77095 by rated flood zone
Policies Share Share bar
X 3,493 99.9%
AE 4 0.1%
AH 1 0.0%

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 77095 by occupancy type
Policies Share Share bar
Single-family homes 3,410 97.5%
Non-residential buildings 69 2.0%
Units in multi-unit buildings 17 0.5%
Multi-unit buildings 2 0.1%

Claims history since 1978

Claims since 1978
682
Total paid
$36,671,190
Paid on buildings
$28,721,117
Paid on contents
$7,950,072
NFIP claims filed per year in ZIP 77095, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 1 $190
1980 1 $0
1981 2 $2,665
1983 2 $0
1984 2 $0
1987 1 $0
1989 2 $517
1990 1 $0
1992 1 $0
1997 1 $2,151
1998 1 $0
2000 4 $1,985
2001 4 $6,001
2002 4 $73,831
2003 1 $12,732
2004 6 $16,012
2005 4 $7,907
2006 7 $61,145
2007 6 $113,898
2008 55 $851,656
2009 170 $8,440,057
2012 6 $21,671
2013 3 $36,398
2014 3 $14,416
2015 1 $17,425
2016 245 $22,047,591
2017 127 $4,919,705
2018 1 $3,376
2019 1 $0
2020 4 $5,765
2021 8 $0
2022 2 $0
2023 1 $0
2024 4 $14,095

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 245 $22,047,591
2009 170 $8,440,057
2017 127 $4,919,705

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