Skip to content
Flood Figures

ZIP 77551 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, 5,216 NFIP flood insurance policies are in force in ZIP 77551 (Galveston, TX), with 6,507 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,216
Median annual premium
$1,312
premium only
Median annual cost
$1,687
premium + fees & surcharges
Mean annual premium
$1,800
premium only
Policies in SFHA zones
90.5%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,029,373,800
Contents coverage in force
$206,973,000

"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 77551 by rated flood zone
Policies Share Share bar
AE 4,200 80.5%
X 790 15.1%
AO 187 3.6%
VE 36 0.7%
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 77551 by occupancy type
Policies Share Share bar
Single-family homes 3,153 60.4%
Multi-unit buildings 1,634 31.3%
Non-residential buildings 228 4.4%
Units in multi-unit buildings 195 3.7%
Mobile homes 6 0.1%

Claims history since 1978

Claims since 1978
6,507
Total paid
$358,456,381
Paid on buildings
$278,868,236
Paid on contents
$75,850,353
NFIP claims filed per year in ZIP 77551, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 77 $232,786
1980 19 $78,880
1981 231 $688,030
1982 1 $0
1983 997 $4,422,363
1984 5 $1,063
1985 1 $377
1988 10 $6,909
1989 92 $247,240
1991 15 $23,836
1992 3 $0
1993 1 $1,078
1995 10 $14,831
1996 13 $30,196
1997 34 $120,122
1998 380 $2,493,980
1999 2 $0
2000 3 $9,865
2001 22 $16,279
2002 89 $405,414
2003 56 $291,459
2004 4 $23,485
2005 27 $78,737
2006 11 $104,667
2007 4 $14,639
2008 3,831 $340,545,151
2009 9 $48,369
2010 6 $52,723
2011 3 $0
2012 2 $0
2013 3 $13,499
2014 4 $54,787
2015 18 $88,610
2016 28 $324,358
2017 269 $5,564,333
2018 37 $571,533
2019 32 $289,050
2020 29 $281,716
2021 16 $102,913
2022 1 $0
2023 2 $26,095
2024 109 $1,187,010
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 3,831 $340,545,151
2017 269 $5,564,333
1983 997 $4,422,363

Related pages