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Flood Figures

ZIP 77301 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, 373 NFIP flood insurance policies are in force in ZIP 77301 (Conroe, TX), with 474 flood claims recorded since 1978.

Policies & premiums

Policies in force
373
Median annual premium
$736
premium only
Median annual cost
$984
premium + fees & surcharges
Mean annual premium
$853
premium only
Policies in SFHA zones
27.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$86,066,000
Contents coverage in force
$30,637,000

"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 77301 by rated flood zone
Policies Share Share bar
X 272 72.9%
AE 97 26.0%
A 4 1.1%

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 77301 by occupancy type
Policies Share Share bar
Single-family homes 318 85.3%
Non-residential buildings 42 11.3%
Multi-unit buildings 8 2.1%
Units in multi-unit buildings 4 1.1%
Mobile homes 1 0.3%

Claims history since 1978

Claims since 1978
474
Total paid
$12,949,112
Paid on buildings
$10,081,488
Paid on contents
$2,867,625
NFIP claims filed per year in ZIP 77301, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 15 $137,259
1979 96 $1,663,615
1980 3 $966
1981 5 $28,779
1982 3 $1,042
1983 22 $225,335
1984 12 $52,108
1985 12 $68,436
1987 7 $34,773
1989 4 $17,593
1990 2 $10,510
1991 3 $24,860
1992 1 $0
1993 11 $189,797
1994 42 $1,729,737
1995 3 $108,035
1996 1 $1,495
1997 1 $31,787
1998 14 $187,079
2001 33 $915,406
2002 3 $4,218
2003 2 $0
2004 10 $159,703
2006 17 $242,210
2008 7 $39,908
2012 6 $120,263
2015 8 $143,478
2016 49 $1,964,256
2017 9 $316,605
2018 2 $7,312
2019 46 $3,855,288
2020 3 $53,890
2021 5 $82,566
2023 2 $0
2024 12 $299,158
2025 3 $231,644

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2019 46 $3,855,288
2016 49 $1,964,256
1994 42 $1,729,737

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