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Flood Figures

ZIP 77550 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, 6,274 NFIP flood insurance policies are in force in ZIP 77550 (Galveston, TX), with 8,114 flood claims recorded since 1978.

Policies & premiums

Policies in force
6,274
Median annual premium
$1,032
premium only
Median annual cost
$1,418
premium + fees & surcharges
Mean annual premium
$1,696
premium only
Policies in SFHA zones
92.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,378,915,200
Contents coverage in force
$313,516,000

"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 77550 by rated flood zone
Policies Share Share bar
AE 5,228 83.3%
X 502 8.0%
VE 336 5.4%
AO 202 3.2%
A 2 0.0%
AOB 2 0.0%
A12 2 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 77550 by occupancy type
Policies Share Share bar
Single-family homes 4,192 66.8%
Multi-unit buildings 1,290 20.6%
Non-residential buildings 537 8.6%
Units in multi-unit buildings 254 4.0%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
8,114
Total paid
$319,423,309
Paid on buildings
$260,651,110
Paid on contents
$58,350,705
NFIP claims filed per year in ZIP 77550, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 73 $110,775
1980 19 $127,211
1981 308 $2,163,281
1982 4 $2,192
1983 717 $4,239,731
1984 10 $28,553
1985 4 $8,207
1986 2 $6,306
1988 32 $42,505
1989 99 $208,939
1991 18 $50,812
1992 6 $15,338
1993 6 $26,066
1994 3 $0
1995 8 $52,813
1996 14 $61,722
1997 56 $210,602
1998 321 $2,591,390
1999 3 $1,130
2000 5 $9,462
2001 40 $203,244
2002 118 $769,044
2003 60 $491,190
2004 24 $64,784
2005 49 $193,175
2006 33 $196,210
2007 8 $26,626
2008 5,398 $295,259,613
2009 10 $38,876
2010 10 $0
2011 21 $46,017
2012 2 $0
2013 1 $0
2015 17 $28,186
2016 8 $76,953
2017 464 $9,472,097
2018 19 $364,648
2019 17 $218,298
2020 26 $192,382
2021 10 $13,448
2024 70 $1,811,481
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 5,398 $295,259,613
2017 464 $9,472,097
1983 717 $4,239,731

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