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Flood Figures

ZIP 77338 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, 1,081 NFIP flood insurance policies are in force in ZIP 77338 (Humble, TX), with 1,510 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,081
Median annual premium
$680
premium only
Median annual cost
$932
premium + fees & surcharges
Mean annual premium
$905
premium only
Policies in SFHA zones
13.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$256,890,200
Contents coverage in force
$105,348,000

"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 77338 by rated flood zone
Policies Share Share bar
X 932 86.2%
AE 146 13.5%
A 3 0.3%

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 77338 by occupancy type
Policies Share Share bar
Single-family homes 900 83.3%
Non-residential buildings 140 13.0%
Multi-unit buildings 25 2.3%
Units in multi-unit buildings 11 1.0%
Mobile homes 5 0.5%

Claims history since 1978

Claims since 1978
1,510
Total paid
$97,723,323
Paid on buildings
$70,618,226
Paid on contents
$27,081,005
NFIP claims filed per year in ZIP 77338, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 6 $7,075
1979 46 $442,928
1981 25 $120,627
1982 6 $21,018
1983 64 $684,676
1984 20 $518,727
1985 31 $265,798
1986 1 $7,113
1987 1 $1,670
1989 95 $1,585,528
1990 2 $18,975
1991 30 $497,318
1992 54 $584,982
1993 51 $1,070,442
1994 145 $7,925,771
1995 3 $17,126
1997 1 $3,725
1998 111 $3,255,640
2000 6 $15,339
2001 105 $4,181,092
2002 84 $2,557,989
2003 17 $252,868
2004 3 $60,531
2005 2 $18,574
2006 4 $75,151
2007 3 $39,056
2008 47 $980,341
2009 19 $455,862
2010 4 $19,658
2012 2 $61,145
2014 6 $71,397
2015 9 $343,736
2016 79 $4,782,578
2017 341 $62,375,778
2018 3 $197,727
2019 65 $3,787,292
2021 3 $125,854
2022 1 $6,229
2024 14 $285,985
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 341 $62,375,778
1994 145 $7,925,771
2016 79 $4,782,578

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