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Flood Figures

ZIP 77554 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, 7,302 NFIP flood insurance policies are in force in ZIP 77554 (Galveston, TX), with 6,967 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,302
Median annual premium
$1,252
premium only
Median annual cost
$1,698
premium + fees & surcharges
Mean annual premium
$1,770
premium only
Policies in SFHA zones
98.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,722,007,000
Contents coverage in force
$372,408,000

"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 77554 by rated flood zone
Policies Share Share bar
AE 3,986 54.6%
VE 3,115 42.7%
X 143 2.0%
V20 43 0.6%
A 5 0.1%
V 4 0.1%
A17 4 0.1%
V21 1 0.0%
A14 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 77554 by occupancy type
Policies Share Share bar
Single-family homes 6,024 82.5%
Multi-unit buildings 926 12.7%
Non-residential buildings 194 2.7%
Units in multi-unit buildings 158 2.2%

Claims history since 1978

Claims since 1978
6,967
Total paid
$144,236,604
Paid on buildings
$117,259,504
Paid on contents
$25,529,467
NFIP claims filed per year in ZIP 77554, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 15 $8,858
1980 19 $21,408
1981 14 $16,107
1983 454 $3,027,490
1988 6 $9,475
1989 59 $85,969
1991 3 $3,559
1993 3 $7,431
1994 2 $0
1995 1 $0
1996 27 $128,673
1997 6 $9,253
1998 709 $4,111,663
1999 2 $0
2001 19 $5,628
2002 58 $300,986
2003 237 $1,368,309
2004 1 $0
2005 70 $289,508
2006 15 $144,053
2008 4,871 $132,342,572
2009 4 $0
2010 5 $1,991
2011 1 $0
2013 1 $10,052
2015 17 $31,620
2016 7 $54,903
2017 146 $491,502
2018 7 $228,060
2019 5 $15,121
2020 52 $545,044
2021 22 $212,769
2023 2 $3,579
2024 104 $761,020
2025 2 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 4,871 $132,342,572
1998 709 $4,111,663
1983 454 $3,027,490

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