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Flood Figures

ZIP 77388 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, 1,830 NFIP flood insurance policies are in force in ZIP 77388 (Spring, TX), with 842 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,830
Median annual premium
$802
premium only
Median annual cost
$1,031
premium + fees & surcharges
Mean annual premium
$802
premium only
Policies in SFHA zones
7.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$438,621,000
Contents coverage in force
$170,926,000

"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 77388 by rated flood zone
Policies Share Share bar
X 1,693 92.5%
AE 129 7.0%
A 8 0.4%

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 77388 by occupancy type
Policies Share Share bar
Single-family homes 1,770 96.7%
Non-residential buildings 59 3.2%
Multi-unit buildings 1 0.1%

Claims history since 1978

Claims since 1978
842
Total paid
$47,141,058
Paid on buildings
$34,650,482
Paid on contents
$12,467,075
NFIP claims filed per year in ZIP 77388, 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 12 $161,239
1980 6 $2,627
1981 32 $712,890
1982 9 $33,085
1983 16 $115,706
1984 42 $1,216,158
1985 2 $0
1987 21 $250,406
1988 1 $0
1989 82 $2,347,639
1990 2 $1,954
1991 3 $43,204
1992 7 $64,362
1993 12 $79,098
1994 3 $9,901
1996 1 $0
1997 4 $29,262
1998 30 $592,900
1999 1 $756
2001 76 $2,408,159
2002 9 $3,718
2003 26 $398,957
2004 3 $6,195
2005 1 $1,039
2006 7 $109,007
2007 7 $22,773
2008 47 $409,270
2009 34 $1,044,327
2012 6 $88,842
2013 1 $0
2014 1 $0
2015 10 $150,184
2016 47 $1,359,317
2017 246 $34,818,192
2018 7 $129,766
2019 12 $374,550
2020 3 $0
2021 3 $27,148
2023 5 $121,897
2024 4 $6,531

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 246 $34,818,192
2001 76 $2,408,159
1989 82 $2,347,639

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