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Flood Figures

ZIP 77346 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, 3,568 NFIP flood insurance policies are in force in ZIP 77346 (Humble, TX), with 746 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,568
Median annual premium
$675
premium only
Median annual cost
$889
premium + fees & surcharges
Mean annual premium
$709
premium only
Policies in SFHA zones
6.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$861,111,000
Contents coverage in force
$339,901,000

"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 77346 by rated flood zone
Policies Share Share bar
X 3,350 93.9%
AE 217 6.1%
C 1 0.0%

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 77346 by occupancy type
Policies Share Share bar
Single-family homes 3,507 98.3%
Non-residential buildings 34 1.0%
Units in multi-unit buildings 22 0.6%
Multi-unit buildings 5 0.1%

Claims history since 1978

Claims since 1978
746
Total paid
$90,728,479
Paid on buildings
$68,440,085
Paid on contents
$22,277,494
NFIP claims filed per year in ZIP 77346, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $0
1979 1 $14,203
1980 1 $0
1981 23 $345,697
1982 1 $665
1983 11 $5,564
1989 12 $93,690
1992 5 $51,026
1993 3 $940
1994 37 $1,214,970
1997 2 $1,138
1998 8 $114,279
2000 3 $19,894
2001 13 $195,204
2002 37 $798,096
2003 5 $62,184
2005 6 $6,594
2006 11 $168,750
2007 1 $9,698
2008 30 $201,141
2009 17 $427,143
2013 1 $0
2015 10 $41,445
2016 21 $228,425
2017 384 $82,703,573
2018 3 $0
2019 66 $3,323,355
2021 10 $294,726
2023 1 $0
2024 20 $403,784
2025 2 $2,294

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 384 $82,703,573
2019 66 $3,323,355
1994 37 $1,214,970

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