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Flood Figures

ZIP 77306 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, 180 NFIP flood insurance policies are in force in ZIP 77306 (Conroe, TX), with 171 flood claims recorded since 1978.

Policies & premiums

Policies in force
180
Median annual premium
$859
premium only
Median annual cost
$1,088
premium + fees & surcharges
Mean annual premium
$1,165
premium only
Policies in SFHA zones
55.0%
zones A, AE, AH, AO, V, VE
Building coverage in force
$37,726,000
Contents coverage in force
$12,076,000

"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 77306 by rated flood zone
Policies Share Share bar
AE 85 47.2%
X 81 45.0%
A 14 7.8%

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 77306 by occupancy type
Policies Share Share bar
Single-family homes 131 72.8%
Non-residential buildings 26 14.4%
Mobile homes 19 10.6%
Multi-unit buildings 4 2.2%

Claims history since 1978

Claims since 1978
171
Total paid
$8,543,941
Paid on buildings
$6,211,470
Paid on contents
$2,302,471
NFIP claims filed per year in ZIP 77306, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1989 1 $36,312
1994 10 $287,780
1995 1 $6,710
1998 17 $212,273
2001 48 $1,797,667
2002 1 $2,416
2004 1 $17,013
2005 1 $6,051
2008 2 $15,779
2013 1 $0
2016 8 $164,675
2017 45 $3,322,967
2018 1 $0
2019 23 $1,652,735
2024 11 $1,021,561

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 45 $3,322,967
2001 48 $1,797,667
2019 23 $1,652,735

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