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Flood Figures

ZIP 77523 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, 2,139 NFIP flood insurance policies are in force in ZIP 77523 (Baytown, TX), with 592 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,139
Median annual premium
$736
premium only
Median annual cost
$952
premium + fees & surcharges
Mean annual premium
$816
premium only
Policies in SFHA zones
3.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$531,658,000
Contents coverage in force
$214,840,000

"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 77523 by rated flood zone
Policies Share Share bar
X 2,037 95.2%
AE 48 2.2%
VE 29 1.4%
C 16 0.7%
B 6 0.3%
A 3 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 77523 by occupancy type
Policies Share Share bar
Single-family homes 2,034 95.1%
Non-residential buildings 80 3.7%
Multi-unit buildings 12 0.6%
Mobile homes 10 0.5%
Units in multi-unit buildings 3 0.1%

Claims history since 1978

Claims since 1978
592
Total paid
$25,281,479
Paid on buildings
$18,997,661
Paid on contents
$6,193,937
NFIP claims filed per year in ZIP 77523, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 9 $12,432
1981 16 $86,583
1983 23 $108,489
1985 1 $0
1986 2 $1,992
1989 14 $30,788
1990 1 $2,287
1991 2 $5,655
1993 4 $10,976
1994 8 $55,901
1998 23 $130,240
1999 4 $20,244
2000 2 $14,725
2001 5 $7,393
2002 1 $0
2003 7 $67,944
2004 4 $18,644
2005 6 $0
2006 6 $56,460
2007 1 $8,594
2008 124 $2,932,620
2009 7 $25,610
2014 1 $0
2015 4 $10,301
2016 3 $32,716
2017 288 $21,091,022
2018 4 $127,032
2019 5 $61,906
2020 1 $0
2021 1 $0
2024 15 $360,922

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 288 $21,091,022
2008 124 $2,932,620
2024 15 $360,922

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