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Flood Figures

ZIP 77541 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, 2,162 NFIP flood insurance policies are in force in ZIP 77541 (Freeport, TX), with 3,837 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,162
Median annual premium
$1,256
premium only
Median annual cost
$1,648
premium + fees & surcharges
Mean annual premium
$1,658
premium only
Policies in SFHA zones
82.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$463,485,600
Contents coverage in force
$102,181,000

"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 77541 by rated flood zone
Policies Share Share bar
VE 939 43.4%
AE 829 38.3%
X 375 17.3%
AO 9 0.4%
V 4 0.2%
A 3 0.1%
V19 1 0.0%
C 1 0.0%
AOB 1 0.0%

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 77541 by occupancy type
Policies Share Share bar
Single-family homes 1,957 90.5%
Non-residential buildings 107 4.9%
Multi-unit buildings 70 3.2%
Mobile homes 18 0.8%
Units in multi-unit buildings 10 0.5%

Claims history since 1978

Claims since 1978
3,837
Total paid
$51,961,523
Paid on buildings
$41,840,569
Paid on contents
$9,773,031
NFIP claims filed per year in ZIP 77541, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 5 $6,354
1979 444 $2,315,949
1980 80 $283,318
1981 32 $51,988
1982 6 $7,268
1983 294 $661,511
1984 80 $310,838
1986 5 $11,918
1987 1 $2,222
1988 15 $14,239
1989 9 $19,951
1990 1 $0
1991 5 $50,447
1992 7 $75,283
1993 4 $18,303
1994 1 $13,473
1995 1 $1,687
1996 19 $117,975
1997 8 $47,866
1998 468 $2,920,083
1999 1 $0
2000 3 $21,915
2001 6 $65,481
2002 380 $4,597,732
2003 286 $2,416,461
2004 12 $67,455
2005 58 $855,053
2006 6 $5,872
2007 6 $26,390
2008 1,061 $22,159,535
2009 2 $15,622
2010 1 $0
2012 2 $1,667
2013 2 $5,953
2014 5 $61,670
2015 15 $268,220
2016 27 $465,255
2017 191 $10,707,398
2019 22 $447,206
2020 46 $296,418
2021 73 $902,798
2022 2 $0
2024 144 $1,642,746
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 1,061 $22,159,535
2017 191 $10,707,398
2002 380 $4,597,732

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