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Flood Figures

ZIP 77478 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, 1,726 NFIP flood insurance policies are in force in ZIP 77478 (Sugar Land, TX), with 272 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,726
Median annual premium
$821
premium only
Median annual cost
$1,054
premium + fees & surcharges
Mean annual premium
$774
premium only
Policies in SFHA zones
1.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$419,689,000
Contents coverage in force
$177,434,000

"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 77478 by rated flood zone
Policies Share Share bar
X 1,704 98.7%
A 15 0.9%
AE 5 0.3%
C 2 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 77478 by occupancy type
Policies Share Share bar
Single-family homes 1,636 94.8%
Non-residential buildings 79 4.6%
Units in multi-unit buildings 9 0.5%
Multi-unit buildings 2 0.1%

Claims history since 1978

Claims since 1978
272
Total paid
$3,104,488
Paid on buildings
$2,692,162
Paid on contents
$412,325
NFIP claims filed per year in ZIP 77478, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 3 $199,983
1980 1 $651
1981 1 $784
1983 16 $36,564
1985 1 $0
1987 2 $4,074
1989 6 $3,986
1991 2 $3,932
1992 1 $740
1994 4 $7,517
1995 3 $1,571
1996 1 $506
1998 4 $4,324
2000 2 $4,189
2001 39 $166,865
2002 8 $39,165
2003 7 $12,641
2004 1 $5,931
2006 1 $0
2007 1 $7,729
2008 19 $20,994
2009 2 $19,079
2010 1 $30,806
2012 13 $146,384
2013 6 $126,884
2014 1 $8,562
2015 21 $355,924
2016 5 $54,980
2017 74 $1,526,296
2018 2 $58,067
2019 10 $251,333
2020 2 $0
2021 5 $0
2022 3 $4,030
2024 4 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 74 $1,526,296
2015 21 $355,924
2019 10 $251,333

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