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Flood Figures

ZIP 77386 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, 3,419 NFIP flood insurance policies are in force in ZIP 77386 (Spring, TX), with 1,341 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,419
Median annual premium
$740
premium only
Median annual cost
$962
premium + fees & surcharges
Mean annual premium
$762
premium only
Policies in SFHA zones
7.4%
zones A, AE, AH, AO, V, VE
Building coverage in force
$835,983,000
Contents coverage in force
$322,823,000

"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 77386 by rated flood zone
Policies Share Share bar
X 3,166 92.6%
AE 250 7.3%
A 2 0.1%
B 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 77386 by occupancy type
Policies Share Share bar
Single-family homes 3,276 95.8%
Non-residential buildings 75 2.2%
Multi-unit buildings 63 1.8%
Units in multi-unit buildings 4 0.1%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
1,341
Total paid
$58,341,153
Paid on buildings
$46,704,144
Paid on contents
$11,607,009
NFIP claims filed per year in ZIP 77386, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 71 $541,591
1979 264 $1,977,416
1980 3 $8,158
1981 6 $2,075
1982 15 $49,989
1983 8 $12,920
1984 31 $126,015
1985 42 $468,015
1986 6 $4,374
1987 100 $671,399
1989 80 $831,773
1991 7 $18,701
1993 1 $2,187
1994 53 $2,762,344
1995 5 $28,855
1997 2 $4,399
1998 49 $875,863
1999 1 $1,005
2000 1 $0
2001 20 $287,818
2002 4 $9,775
2003 13 $114,378
2004 4 $7,927
2005 1 $0
2006 18 $439,605
2007 1 $1,897
2008 32 $151,438
2009 51 $1,753,215
2010 1 $0
2012 1 $0
2015 6 $103,418
2016 118 $9,412,197
2017 264 $35,080,604
2018 2 $117,527
2019 30 $1,035,936
2021 5 $82,095
2022 2 $0
2023 2 $46,560
2024 19 $1,186,021
2025 2 $123,665

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 264 $35,080,604
2016 118 $9,412,197
1994 53 $2,762,344

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