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Flood Figures

ZIP 77401 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, 4,480 NFIP flood insurance policies are in force in ZIP 77401 (Bellaire, TX), with 3,303 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,480
Median annual premium
$1,428
premium only
Median annual cost
$1,785
premium + fees & surcharges
Mean annual premium
$1,563
premium only
Policies in SFHA zones
89.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,093,067,000
Contents coverage in force
$362,594,000

"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 77401 by rated flood zone
Policies Share Share bar
AE 3,996 89.2%
X 484 10.8%

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 77401 by occupancy type
Policies Share Share bar
Single-family homes 4,323 96.5%
Non-residential buildings 132 2.9%
Units in multi-unit buildings 13 0.3%
Multi-unit buildings 11 0.2%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
3,303
Total paid
$255,284,646
Paid on buildings
$208,987,328
Paid on contents
$44,820,160
NFIP claims filed per year in ZIP 77401, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 61 $372,275
1980 2 $585
1981 15 $13,693
1982 1 $286
1983 39 $132,851
1984 2 $4,887
1986 2 $4,181
1987 4 $485
1989 5 $1,012
1991 6 $6,174
1992 1 $0
1993 2 $965
1994 38 $272,918
1995 2 $0
1996 5 $8,689
1997 6 $22,617
1998 5 $76,201
1999 3 $5,168
2000 1 $892
2001 558 $16,185,195
2002 4 $13,996
2003 7 $42,967
2004 2 $7,007
2005 4 $872
2006 4 $4,432
2007 2 $18,325
2008 59 $417,383
2009 6 $25,646
2010 1 $0
2012 22 $443,583
2013 4 $48,440
2014 5 $0
2015 250 $9,653,067
2016 50 $1,425,275
2017 2,108 $225,515,098
2018 1 $0
2019 2 $0
2021 4 $15,145
2023 1 $0
2024 8 $224,082
2026 1 $320,252

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 2,108 $225,515,098
2001 558 $16,185,195
2015 250 $9,653,067

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