Skip to content
Flood Figures

ZIP 77099 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, 1,444 NFIP flood insurance policies are in force in ZIP 77099 (Houston, TX), with 1,079 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,444
Median annual premium
$945
premium only
Median annual cost
$1,237
premium + fees & surcharges
Mean annual premium
$1,227
premium only
Policies in SFHA zones
74.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$299,407,000
Contents coverage in force
$73,590,000

"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 77099 by rated flood zone
Policies Share Share bar
AE 910 63.0%
X 371 25.7%
A 99 6.9%
AO 63 4.4%
D 1 0.1%

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 77099 by occupancy type
Policies Share Share bar
Single-family homes 1,204 83.4%
Non-residential buildings 110 7.6%
Units in multi-unit buildings 65 4.5%
Multi-unit buildings 65 4.5%

Claims history since 1978

Claims since 1978
1,079
Total paid
$22,627,360
Paid on buildings
$17,839,695
Paid on contents
$4,787,665
NFIP claims filed per year in ZIP 77099, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 7 $2,403
1980 2 $0
1981 15 $7,457
1982 1 $0
1983 73 $191,189
1986 1 $0
1987 7 $23,711
1988 1 $0
1989 12 $3,118
1990 1 $0
1991 6 $415
1992 16 $74,968
1993 3 $1,969
1994 27 $118,802
1995 5 $2,468
1996 1 $1,531
1997 12 $20,493
1998 6 $13,740
1999 13 $22,658
2000 4 $20,971
2001 33 $125,423
2002 4 $11,114
2003 32 $205,109
2004 5 $10,592
2006 2 $5,671
2007 6 $27,798
2008 48 $108,428
2009 31 $431,623
2010 5 $8,556
2011 1 $0
2012 28 $531,765
2013 13 $116,367
2015 212 $7,764,890
2016 95 $3,104,120
2017 282 $8,496,547
2018 3 $13,198
2019 14 $199,152
2020 8 $52,654
2021 20 $0
2022 2 $0
2023 4 $0
2024 16 $908,460
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 282 $8,496,547
2015 212 $7,764,890
2016 95 $3,104,120

Related pages