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Flood Figures

ZIP 77385 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, 1,163 NFIP flood insurance policies are in force in ZIP 77385 (Conroe, TX), with 1,025 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,163
Median annual premium
$856
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$929
premium only
Policies in SFHA zones
18.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$271,815,800
Contents coverage in force
$99,600,000

"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 77385 by rated flood zone
Policies Share Share bar
X 944 81.2%
AE 205 17.6%
A 14 1.2%

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 77385 by occupancy type
Policies Share Share bar
Single-family homes 1,107 95.2%
Non-residential buildings 36 3.1%
Multi-unit buildings 9 0.8%
Mobile homes 8 0.7%
Units in multi-unit buildings 3 0.3%

Claims history since 1978

Claims since 1978
1,025
Total paid
$50,136,138
Paid on buildings
$40,977,160
Paid on contents
$9,098,978
NFIP claims filed per year in ZIP 77385, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 9 $21,012
1979 113 $1,498,918
1980 1 $0
1981 8 $28,220
1982 5 $23,353
1983 35 $499,024
1984 3 $20,629
1985 12 $104,919
1986 1 $1,048
1987 20 $96,011
1989 29 $238,839
1990 2 $21,929
1991 8 $18,825
1992 6 $2,005
1993 6 $36,221
1994 161 $7,699,558
1995 4 $23,272
1996 2 $728
1997 1 $609
1998 69 $2,255,568
2001 30 $411,012
2002 10 $307,863
2003 4 $22,649
2004 5 $71,532
2005 3 $0
2006 2 $113,629
2007 2 $0
2008 50 $1,342,261
2009 24 $1,003,995
2010 1 $0
2013 1 $0
2014 4 $98,460
2015 5 $100,943
2016 85 $4,079,982
2017 214 $24,420,705
2018 7 $248,232
2019 13 $455,340
2020 1 $0
2021 4 $4,065
2022 1 $0
2023 4 $35,935
2024 60 $4,828,850

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 214 $24,420,705
1994 161 $7,699,558
2024 60 $4,828,850

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