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Flood Figures

ZIP 77389 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, 2,165 NFIP flood insurance policies are in force in ZIP 77389 (Spring, TX), with 447 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,165
Median annual premium
$654
premium only
Median annual cost
$852
premium + fees & surcharges
Mean annual premium
$714
premium only
Policies in SFHA zones
6.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$529,509,000
Contents coverage in force
$207,631,000

"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 77389 by rated flood zone
Policies Share Share bar
X 2,015 93.1%
AE 149 6.9%
A 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 77389 by occupancy type
Policies Share Share bar
Single-family homes 2,095 96.8%
Non-residential buildings 46 2.1%
Multi-unit buildings 11 0.5%
Units in multi-unit buildings 9 0.4%
Mobile homes 4 0.2%

Claims history since 1978

Claims since 1978
447
Total paid
$30,315,228
Paid on buildings
$24,329,553
Paid on contents
$5,985,676
NFIP claims filed per year in ZIP 77389, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $996
1979 16 $54,588
1980 2 $1,000
1981 21 $95,619
1982 1 $1,246
1983 3 $1,529
1984 5 $6,505
1986 1 $1,538
1987 11 $119,071
1989 35 $321,772
1994 53 $3,810,356
1998 17 $466,512
1999 1 $1,062
2000 4 $5,246
2001 10 $202,225
2002 1 $16,833
2004 1 $0
2006 11 $92,174
2008 13 $70,417
2009 5 $155,112
2012 4 $31,659
2015 2 $4,083
2016 58 $3,406,510
2017 148 $21,142,612
2018 2 $0
2019 8 $119,981
2020 2 $1,000
2023 3 $66,477
2024 8 $119,105

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 148 $21,142,612
1994 53 $3,810,356
2016 58 $3,406,510

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