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Flood Figures

ZIP 77586 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, 5,706 NFIP flood insurance policies are in force in ZIP 77586 (Seabrook, TX), with 4,791 flood claims recorded since 1978.

Policies & premiums

Policies in force
5,706
Median annual premium
$1,112
premium only
Median annual cost
$1,409
premium + fees & surcharges
Mean annual premium
$1,552
premium only
Policies in SFHA zones
78.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,323,899,600
Contents coverage in force
$401,412,000

"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 77586 by rated flood zone
Policies Share Share bar
AE 3,891 68.2%
X 1,219 21.4%
VE 585 10.3%
B 3 0.1%
C 2 0.0%
A13 2 0.0%
A14 2 0.0%
A 1 0.0%
V 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 77586 by occupancy type
Policies Share Share bar
Single-family homes 4,752 83.3%
Multi-unit buildings 659 11.5%
Non-residential buildings 188 3.3%
Units in multi-unit buildings 106 1.9%
Mobile homes 1 0.0%

Claims history since 1978

Claims since 1978
4,791
Total paid
$161,111,540
Paid on buildings
$119,566,060
Paid on contents
$39,044,638
NFIP claims filed per year in ZIP 77586, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 3 $1,415
1979 589 $4,686,107
1980 102 $478,672
1981 68 $318,123
1982 22 $81,445
1983 462 $8,595,729
1984 14 $38,685
1985 20 $10,814
1986 8 $1,746
1987 10 $10,386
1988 9 $24,293
1989 507 $3,377,723
1990 4 $10,052
1991 7 $1,461
1992 8 $2,156
1993 24 $151,489
1994 14 $28,916
1995 66 $496,544
1996 2 $3,937
1997 55 $894,683
1998 208 $3,172,319
1999 2 $30,185
2000 2 $2,947
2001 192 $2,005,911
2002 10 $26,218
2003 51 $561,142
2004 9 $70,105
2005 11 $23,533
2006 18 $246,747
2007 6 $40,428
2008 1,644 $113,794,433
2009 92 $960,506
2010 3 $0
2012 5 $45,845
2013 2 $0
2014 2 $0
2015 18 $87,658
2016 1 $16,113
2017 441 $19,827,121
2018 2 $0
2019 19 $147,004
2020 4 $64,823
2021 16 $218,003
2022 3 $0
2023 1 $6,429
2024 33 $544,477
2025 2 $5,218

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2008 1,644 $113,794,433
2017 441 $19,827,121
1983 462 $8,595,729

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