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Flood Figures

ZIP 77098 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, 726 NFIP flood insurance policies are in force in ZIP 77098 (Houston, TX), with 350 flood claims recorded since 1978.

Policies & premiums

Policies in force
726
Median annual premium
$859
premium only
Median annual cost
$1,086
premium + fees & surcharges
Mean annual premium
$1,097
premium only
Policies in SFHA zones
0.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$171,671,000
Contents coverage in force
$74,772,000

"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 77098 by rated flood zone
Policies Share Share bar
X 726 100.0%

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 77098 by occupancy type
Policies Share Share bar
Single-family homes 563 77.5%
Non-residential buildings 70 9.6%
Units in multi-unit buildings 68 9.4%
Multi-unit buildings 25 3.4%

Claims history since 1978

Claims since 1978
350
Total paid
$7,469,634
Paid on buildings
$3,435,363
Paid on contents
$4,034,271
NFIP claims filed per year in ZIP 77098, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 52 $182,829
1980 3 $386
1981 6 $7,943
1982 1 $5,644
1983 19 $35,034
1985 5 $1,706
1986 3 $0
1988 1 $0
1989 19 $16,297
1990 1 $1,214
1991 1 $5,012
1992 2 $0
1994 6 $58,920
1996 1 $58,964
1997 7 $125,855
1998 3 $27,896
2001 78 $3,381,316
2003 14 $557,793
2004 1 $0
2005 2 $160,757
2007 17 $341,783
2008 30 $280,899
2009 1 $2,269
2010 1 $17,186
2012 4 $87,676
2014 2 $97,845
2015 11 $81,159
2016 5 $42,894
2017 43 $1,215,551
2018 1 $25,614
2019 4 $402,237
2020 2 $3,774
2021 1 $0
2024 3 $243,180

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2001 78 $3,381,316
2017 43 $1,215,551
2003 14 $557,793

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