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Flood Figures

ZIP 77489 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, 988 NFIP flood insurance policies are in force in ZIP 77489 (Missouri City, TX), with 342 flood claims recorded since 1978.

Policies & premiums

Policies in force
988
Median annual premium
$770
premium only
Median annual cost
$1,014
premium + fees & surcharges
Mean annual premium
$760
premium only
Policies in SFHA zones
2.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$220,308,000
Contents coverage in force
$87,222,000

"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 77489 by rated flood zone
Policies Share Share bar
X 967 97.9%
AE 21 2.1%

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 77489 by occupancy type
Policies Share Share bar
Single-family homes 966 97.8%
Non-residential buildings 18 1.8%
Units in multi-unit buildings 2 0.2%
Multi-unit buildings 2 0.2%

Claims history since 1978

Claims since 1978
342
Total paid
$2,564,310
Paid on buildings
$2,129,338
Paid on contents
$434,972
NFIP claims filed per year in ZIP 77489, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $2,560
1979 14 $41,870
1980 2 $7,303
1981 9 $6,054
1982 1 $2,509
1983 11 $12,720
1984 2 $271
1985 5 $595
1988 1 $0
1989 4 $2,711
1991 1 $1,160
1992 1 $0
1993 1 $0
1994 4 $29,316
1997 5 $10,293
1998 1 $3,884
1999 3 $27,011
2000 4 $1,939
2001 19 $142,010
2002 1 $4,944
2003 7 $29,605
2004 2 $0
2005 2 $27,048
2006 3 $5,559
2007 2 $4,220
2008 59 $179,865
2009 3 $16,132
2010 2 $20,430
2012 5 $33,183
2013 3 $10,457
2014 2 $24,922
2015 27 $158,973
2016 4 $16,463
2017 101 $1,641,700
2018 2 $0
2019 3 $8,272
2020 2 $40,584
2021 3 $8,819
2022 1 $0
2023 3 $0
2024 16 $40,927

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 101 $1,641,700
2008 59 $179,865
2015 27 $158,973

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