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Flood Figures

ZIP 77096 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, 5,041 NFIP flood insurance policies are in force in ZIP 77096 (Houston, TX), with 6,480 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,041
Median annual premium
$1,432
premium only
Median annual cost
$1,809
premium + fees & surcharges
Mean annual premium
$1,634
premium only
Policies in SFHA zones
79.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,194,471,600
Contents coverage in force
$357,446,000

"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 77096 by rated flood zone
Policies Share Share bar
AE 4,021 79.8%
X 1,019 20.2%
A 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 77096 by occupancy type
Policies Share Share bar
Single-family homes 4,564 90.5%
Multi-unit buildings 277 5.5%
Non-residential buildings 167 3.3%
Units in multi-unit buildings 33 0.7%

Claims history since 1978

Claims since 1978
6,480
Total paid
$694,707,971
Paid on buildings
$545,759,501
Paid on contents
$143,307,444
NFIP claims filed per year in ZIP 77096, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 8 $4,920
1979 75 $295,082
1980 8 $9,709
1981 90 $335,258
1982 5 $0
1983 450 $17,545,732
1984 5 $2,320
1985 4 $2,207
1986 3 $194
1987 11 $6,927
1988 4 $0
1989 49 $58,310
1990 7 $28,459
1991 22 $39,674
1992 33 $511,449
1993 4 $2,896
1994 276 $8,282,962
1995 3 $0
1996 16 $38,710
1997 40 $129,096
1998 31 $109,641
1999 6 $10,347
2000 6 $8,495
2001 668 $40,564,220
2002 17 $43,567
2003 131 $5,642,066
2004 4 $11,144
2005 13 $67,194
2006 2 $4,441
2007 12 $95,966
2008 132 $429,941
2009 28 $232,440
2010 3 $5,359
2012 104 $2,750,773
2013 18 $194,979
2014 8 $69,938
2015 1,134 $160,521,357
2016 442 $33,702,160
2017 2,550 $422,405,409
2018 6 $0
2019 11 $117,028
2020 9 $40,070
2021 3 $16,161
2022 2 $33,364
2023 4 $35,944
2024 20 $302,063
2025 2 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 2,550 $422,405,409
2015 1,134 $160,521,357
2001 668 $40,564,220

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