ZIP 77345 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, 3,594 NFIP flood insurance policies are in force in ZIP 77345 (Kingwood, TX), with 850 flood claims recorded since 1978.

Policies & premiums

Policies in force: 3,594
Median annual premium: $834; premium only
Median annual cost: $1,066; premium + fees & surcharges
Mean annual premium: $785; premium only
Policies in SFHA zones: 5.7%; zones A, AE, AH, AO, V, VE
Building coverage in force: $876,461,000
Contents coverage in force: $335,234,000

"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 77345 by rated flood zone
	Policies	Share	Share bar
X	3,397	94.5%
AE	197	5.5%

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 77345 by occupancy type
	Policies	Share
Single-family homes	3,370	93.8%
Multi-unit buildings	138	3.8%
Units in multi-unit buildings	60	1.7%
Non-residential buildings	26	0.7%

Claims history since 1978

Claims since 1978: 850
Total paid: $166,659,899
Paid on buildings: $126,982,690
Paid on contents: $39,677,209

NFIP claims filed per year in ZIP 77345, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).

Claims by year (data table)

Year	Claims	Paid
1979	4	$47,845
1981	1	$743
1983	2	$34,819
1988	1	$0
1989	2	$22,604
1991	2	$7,090
1994	4	$5,928
1995	1	$0
1998	2	$0
2000	18	$205,005
2001	4	$10,865
2002	10	$126,727
2004	1	$4,675
2005	1	$0
2006	2	$7,173
2008	6	$655
2009	2	$10,192
2010	2	$0
2011	1	$4,295
2012	2	$0
2013	2	$0
2014	1	$0
2015	3	$27,886
2016	2	$8,573
2017	600	$154,049,121
2019	154	$11,922,610
2020	4	$1,585
2021	5	$14,613
2022	1	$0
2023	1	$0
2024	8	$146,895
2025	1	$0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year	Claims	Paid
2017	600	$154,049,121
2019	154	$11,922,610
2000	18	$205,005

City page: Flood insurance in Kingwood, TX
State page: Flood insurance in Texas
Other ZIPs in Kingwood: 77339
Tool: look up another ZIP
Reading: What is the NFIP? · How these figures are computed