Flood zones in Houston
Look up an address for its zone. The statistics below describe its county, not this city alone.
Average annual premium and federal policy fee per policy unit
$1,031
As of 2026-08-31. A portfolio average, not a quote for a home.
- Policies in force, including condo units
- 223,602
- Cumulative recorded losses
- 169,991
- Net dollars paid
- $8,743,225,613
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
Find a flood zone in Houston.
Houston map
The text result above is available without the map. Open the official FEMA map.
Map: OpenStreetMap contributors. Flood overlay: FEMA NFHL. Zoom in to see mapped boundaries. The marker is a geocoded point, not a building survey.
The map starts at the Census place’s internal point. This is not a property zone result.
This city spans Harris County, Fort Bend County, Montgomery County, Waller County. Statistics here describe Harris County only. An address lookup identifies the relevant county.
What these records tell you
Harris County’s 223,602 policy units describe the published NFIP book of business. The average combines different buildings, limits and deductibles. Private flood insurance is outside this dataset.
Historic net payments measure reported insured losses; they do not measure all economic damage or a home’s probability of flooding. The separate OpenFEMA release below provides a year-of-loss breakdown.
Nearby county records
These counties are closest by Census internal point; this list does not assert shared borders.
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
| Year of loss | Net payments |
|---|---|
| 1978 | $448,221 |
| 1979 | $71,549,087 |
| 1980 | $1,642,444 |
| 1981 | $29,852,002 |
| 1982 | $1,549,337 |
| 1983 | $89,175,263 |
| 1984 | $15,974,557 |
| 1985 | $3,384,448 |
| 1986 | $852,051 |
| 1987 | $3,050,892 |
| 1988 | $103,199 |
| 1989 | $83,582,113 |
| 1990 | $253,891 |
| 1991 | $2,039,496 |
| 1992 | $52,205,797 |
| 1993 | $4,157,280 |
| 1994 | $98,520,428 |
| 1995 | $1,304,392 |
| 1996 | $4,888,454 |
| 1997 | $17,100,561 |
| 1998 | $78,712,388 |
| 1999 | $4,577,440 |
| 2000 | $1,703,038 |
| 2001 | $873,022,437 |
| 2002 | $75,778,796 |
| 2003 | $33,683,831 |
| 2004 | $2,215,391 |
| 2005 | $2,811,199 |
| 2006 | $56,346,688 |
| 2007 | $31,195,533 |
| 2008 | $423,720,306 |
| 2009 | $140,380,544 |
| 2010 | $2,380,526 |
| 2011 | $87,159 |
| 2012 | $17,773,043 |
| 2013 | $6,334,083 |
| 2014 | $3,179,536 |
| 2015 | $396,325,762 |
| 2016 | $444,968,689 |
| 2017 | $5,377,305,217 |
| 2018 | $3,117,087 |
| 2019 | $222,894,295 |
| 2020 | $6,502,438 |
| 2021 | $3,700,352 |
| 2022 | $2,583,027 |
| 2023 | $2,738,336 |
| 2024 | $54,048,950 |
| 2025 | $866,648 |
| 2026 | $1,600,639 |
170,854 published claim records in this county series. Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.