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Flood Figures

ZIP 77365 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, 2,473 NFIP flood insurance policies are in force in ZIP 77365 (Porter, TX), with 1,410 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,473
Median annual premium
$799
premium only
Median annual cost
$1,037
premium + fees & surcharges
Mean annual premium
$800
premium only
Policies in SFHA zones
6.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$592,772,600
Contents coverage in force
$230,562,000

"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 77365 by rated flood zone
Policies Share Share bar
X 2,321 93.9%
AE 118 4.8%
A 34 1.4%

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 77365 by occupancy type
Policies Share Share bar
Single-family homes 2,367 95.7%
Non-residential buildings 81 3.3%
Mobile homes 11 0.4%
Multi-unit buildings 10 0.4%
Units in multi-unit buildings 4 0.2%

Claims history since 1978

Claims since 1978
1,410
Total paid
$66,433,161
Paid on buildings
$53,156,595
Paid on contents
$13,238,403
NFIP claims filed per year in ZIP 77365, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 4 $6,781
1979 37 $343,024
1980 1 $709
1981 16 $84,790
1982 4 $5,503
1983 29 $170,363
1985 3 $4,875
1986 1 $0
1987 7 $12,282
1989 57 $770,662
1990 2 $10,756
1991 10 $52,855
1992 12 $102,191
1993 6 $53,169
1994 60 $2,549,352
1995 1 $131
1996 2 $19,277
1997 17 $162,877
1998 72 $1,750,077
2001 19 $331,744
2002 41 $835,993
2003 36 $476,647
2004 9 $190,739
2005 7 $164,214
2006 11 $191,486
2007 14 $199,166
2008 54 $1,184,902
2009 10 $203,566
2014 21 $677,953
2015 13 $220,164
2016 110 $4,148,214
2017 136 $10,963,880
2018 9 $145,709
2019 517 $37,726,348
2020 1 $0
2021 8 $65,122
2022 1 $0
2023 4 $73,284
2024 47 $2,534,358
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2019 517 $37,726,348
2017 136 $10,963,880
2016 110 $4,148,214

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