Skip to content
Flood Figures

ZIP 77396 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, 1,737 NFIP flood insurance policies are in force in ZIP 77396 (Humble, TX), with 928 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,737
Median annual premium
$858
premium only
Median annual cost
$1,084
premium + fees & surcharges
Mean annual premium
$897
premium only
Policies in SFHA zones
19.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$403,010,600
Contents coverage in force
$151,038,000

"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 77396 by rated flood zone
Policies Share Share bar
X 1,396 80.4%
AE 337 19.4%
A 3 0.2%
B 1 0.1%

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 77396 by occupancy type
Policies Share Share bar
Single-family homes 1,599 92.1%
Non-residential buildings 94 5.4%
Multi-unit buildings 22 1.3%
Mobile homes 15 0.9%
Units in multi-unit buildings 7 0.4%

Claims history since 1978

Claims since 1978
928
Total paid
$26,588,301
Paid on buildings
$20,397,927
Paid on contents
$5,979,048
NFIP claims filed per year in ZIP 77396, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 9 $36,735
1979 32 $538,166
1981 40 $290,045
1982 6 $49,282
1983 52 $1,085,143
1984 59 $1,197,714
1986 1 $0
1989 99 $1,535,924
1990 1 $12,157
1992 63 $1,325,290
1993 2 $4,708
1994 3 $6,976
1997 9 $127,263
1998 1 $1,456
2001 161 $6,552,456
2002 54 $895,982
2003 4 $100,312
2004 3 $21,411
2006 3 $9,724
2008 51 $759,877
2009 2 $24,678
2010 1 $0
2014 3 $98,825
2015 4 $105,401
2016 2 $12,718
2017 177 $8,697,302
2018 2 $17,616
2019 59 $2,647,135
2021 9 $180,281
2022 1 $0
2023 1 $2,898
2024 14 $250,825

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 177 $8,697,302
2001 161 $6,552,456
2019 59 $2,647,135

Related pages