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Flood Figures

ZIP 77445 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, 140 NFIP flood insurance policies are in force in ZIP 77445 (Hempstead, TX), with 74 flood claims recorded since 1978.

Policies & premiums

Policies in force
140
Median annual premium
$850
premium only
Median annual cost
$1,080
premium + fees & surcharges
Mean annual premium
$949
premium only
Policies in SFHA zones
37.9%
zones A, AE, AH, AO, V, VE
Building coverage in force
$32,025,000
Contents coverage in force
$10,381,000

"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 77445 by rated flood zone
Policies Share Share bar
X 86 61.4%
A 31 22.1%
AE 22 15.7%
C 1 0.7%

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 77445 by occupancy type
Policies Share Share bar
Single-family homes 110 78.6%
Non-residential buildings 27 19.3%
Multi-unit buildings 3 2.1%

Claims history since 1978

Claims since 1978
74
Total paid
$2,517,336
Paid on buildings
$2,097,771
Paid on contents
$419,564
NFIP claims filed per year in ZIP 77445, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 2 $13,068
1985 1 $26,319
1994 2 $58,286
1997 2 $16,799
1998 6 $84,579
2001 4 $86,797
2002 6 $133,847
2005 1 $0
2014 2 $65,928
2015 5 $148,627
2016 29 $1,114,223
2017 10 $578,250
2021 2 $190,612
2022 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2016 29 $1,114,223
2017 10 $578,250
2021 2 $190,612

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