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Flood Figures

ZIP 77302 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, 931 NFIP flood insurance policies are in force in ZIP 77302 (Conroe, TX), with 1,759 flood claims recorded since 1978.

Policies & premiums

Policies in force
931
Median annual premium
$819
premium only
Median annual cost
$1,054
premium + fees & surcharges
Mean annual premium
$961
premium only
Policies in SFHA zones
31.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$219,527,400
Contents coverage in force
$75,241,000

"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 77302 by rated flood zone
Policies Share Share bar
X 638 68.5%
AE 272 29.2%
A 21 2.3%

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 77302 by occupancy type
Policies Share Share bar
Single-family homes 886 95.2%
Non-residential buildings 21 2.3%
Mobile homes 15 1.6%
Multi-unit buildings 9 1.0%

Claims history since 1978

Claims since 1978
1,759
Total paid
$117,399,975
Paid on buildings
$93,256,638
Paid on contents
$23,968,251
NFIP claims filed per year in ZIP 77302, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 37 $139,521
1979 216 $3,491,857
1980 1 $0
1981 7 $42,836
1982 6 $24,225
1983 111 $2,331,003
1984 2 $17,782
1985 11 $42,079
1986 1 $0
1987 5 $0
1989 18 $194,025
1991 5 $5,381
1993 8 $78,123
1994 293 $20,021,818
1997 2 $5,509
1998 177 $9,091,893
2001 50 $1,211,355
2002 86 $2,669,342
2003 1 $25,763
2004 8 $111,692
2005 3 $5,737
2006 2 $22,420
2007 3 $26,451
2008 25 $350,136
2009 5 $75,784
2012 2 $0
2013 1 $1,188
2015 7 $90,577
2016 161 $11,428,105
2017 302 $47,686,192
2018 2 $17,763
2019 65 $4,497,983
2021 1 $0
2023 2 $12,261
2024 130 $13,631,928
2025 3 $49,247

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 302 $47,686,192
1994 293 $20,021,818
2024 130 $13,631,928

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