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Flood Figures

ZIP 77581 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, 4,789 NFIP flood insurance policies are in force in ZIP 77581 (Pearland, TX), with 3,543 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,789
Median annual premium
$853
premium only
Median annual cost
$1,080
premium + fees & surcharges
Mean annual premium
$885
premium only
Policies in SFHA zones
25.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,163,600,200
Contents coverage in force
$445,634,000

"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 77581 by rated flood zone
Policies Share Share bar
X 3,585 74.9%
AE 1,200 25.1%
A 2 0.0%
A13 1 0.0%
AO 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 77581 by occupancy type
Policies Share Share bar
Single-family homes 4,459 93.1%
Non-residential buildings 262 5.5%
Multi-unit buildings 43 0.9%
Units in multi-unit buildings 14 0.3%
Mobile homes 11 0.2%

Claims history since 1978

Claims since 1978
3,543
Total paid
$136,021,262
Paid on buildings
$101,624,086
Paid on contents
$34,063,827
NFIP claims filed per year in ZIP 77581, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 387 $4,749,798
1980 5 $46,607
1981 124 $746,111
1982 4 $2,192
1983 178 $1,179,605
1984 1 $14,739
1985 41 $92,034
1988 4 $4,533
1989 216 $1,750,158
1990 1 $0
1991 14 $74,682
1992 1 $0
1993 16 $65,050
1994 356 $12,320,630
1995 2 $2,508
1996 2 $20,307
1997 30 $172,400
1998 21 $65,995
1999 3 $6,556
2000 1 $0
2001 633 $18,372,731
2002 21 $100,611
2003 2 $19,197
2004 2 $3,845
2005 6 $0
2006 75 $1,571,017
2007 9 $100,483
2008 224 $1,661,579
2009 70 $1,004,220
2010 1 $0
2011 1 $0
2012 1 $0
2013 1 $27,153
2015 21 $200,309
2016 5 $5,535
2017 969 $89,314,274
2018 1 $0
2019 11 $175,518
2020 45 $1,525,429
2021 5 $49,500
2022 1 $0
2023 2 $0
2024 28 $575,957
2025 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2017 969 $89,314,274
2001 633 $18,372,731
1994 356 $12,320,630

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