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Flood Figures

ZIP 77520 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, 1,002 NFIP flood insurance policies are in force in ZIP 77520 (Baytown, TX), with 1,935 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,002
Median annual premium
$853
premium only
Median annual cost
$1,080
premium + fees & surcharges
Mean annual premium
$1,310
premium only
Policies in SFHA zones
24.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$241,924,000
Contents coverage in force
$102,230,000

"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 77520 by rated flood zone
Policies Share Share bar
X 750 74.9%
AE 194 19.4%
VE 47 4.7%
B 5 0.5%
A 4 0.4%
AO 1 0.1%
V 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 77520 by occupancy type
Policies Share Share bar
Single-family homes 850 84.8%
Non-residential buildings 104 10.4%
Multi-unit buildings 37 3.7%
Units in multi-unit buildings 10 1.0%
Mobile homes 1 0.1%

Claims history since 1978

Claims since 1978
1,935
Total paid
$57,980,649
Paid on buildings
$43,887,630
Paid on contents
$13,862,276
NFIP claims filed per year in ZIP 77520, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 5 $1,602
1979 261 $1,399,366
1980 50 $189,317
1981 126 $575,606
1982 12 $34,077
1983 502 $16,606,235
1984 3 $591
1985 17 $37,266
1986 29 $117,999
1987 3 $4,626
1988 9 $25,686
1989 51 $506,042
1991 3 $45,825
1992 4 $30,253
1993 2 $54,462
1994 21 $113,906
1995 6 $48,812
1996 2 $2,314
1997 3 $2,986
1998 54 $581,938
1999 5 $22,034
2000 8 $48,906
2001 11 $29,294
2002 7 $6,591
2003 3 $87,058
2004 4 $5,383
2005 4 $0
2006 5 $25,969
2007 2 $15,078
2008 282 $21,592,627
2009 35 $370,513
2012 5 $35,964
2013 1 $1,457
2014 1 $0
2015 15 $214,878
2016 3 $120,155
2017 313 $12,726,991
2018 3 $42,643
2019 17 $244,642
2020 2 $66,478
2021 3 $0
2023 3 $61,461
2024 40 $1,883,616

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 282 $21,592,627
1983 502 $16,606,235
2017 313 $12,726,991

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