Flood Claims by ZIP Code — Harris County, TX

The lookup

Find your ZIP code.

Start typing and the list will narrow. A ZIP appears here only if it has at least 25 claims that paid more than $0, so nothing you see rests on a handful of records.

Harris County ZIP code

What these four numbers mean

Outside the high-risk zone

A claim rated outside the high-risk zone is one where no lender would have required flood coverage — and the loss happened anyway. Across the county this is the majority position, not the exception.

Not a named storm

Hurricanes and tropical storms are what people plan for. This figure is the share of paid claims that came from something else: ordinary rainfall, a seasonal storm, a downpour that never got a name.

Before the first flood maps

A pre-FIRM home was built before its community had a Flood Insurance Rate Map, so it was never built to a mapped elevation standard. It is a fact about the building's age, not about the current owner.

Median, not average

The median is the middle claim. It sits well below the average because a small number of very large losses pull the average up, and the median is the more honest answer to “what does this usually cost”.

Or browse every ZIP code

Sorted by total paid. Scroll the table sideways on a small screen.

ZIP	Area	Total paid	Paid claims	Median	% outside zone	% not a named storm
77096	Meyerland	$689.1M	5,551	$100,500	27.1%	45.9%
77079	Energy Corridor	$430.0M	2,896	$82,476	83.7%	42.8%
77339	Kingwood	$323.9M	2,831	$60,000	36.2%	48.7%
77084	Bear Creek / Addicks	$272.4M	2,626	$80,342	68.9%	41.5%
77025	Braeswood	$256.9M	2,572	$72,703	15.8%	21%
77401	Bellaire	$253.7M	2,860	$55,843	23.9%	14.3%
77089	Sagemont / Southbelt	$249.8M	5,761	$23,094	61.7%	29.8%
77429	Cypress	$219.4M	2,407	$71,993	62.6%	45.7%
77024	Memorial	$201.8M	2,547	$30,352	82.3%	58.7%
77070	Champions	$198.1M	1,599	$105,127	67.9%	37.5%
77074	Sharpstown	$176.3M	2,441	$51,889	18.7%	52.6%
77088	Acres Homes	$174.5M	4,152	$35,213	21.9%	47.4%
77571	La Porte	$169.0M	3,976	$22,016	49.9%	17.2%
77345	Kingwood North	$166.7M	758	$250,409	78.2%	7.1%
77040	Fairbanks	$160.9M	3,697	$36,156	30.7%	54.7%
77586	Seabrook	$158.4M	3,624	$15,407	37.2%	21.2%
77037	Aldine	$149.7M	3,870	$31,177	28.5%	28%
77090	North Greenspoint	$148.3M	1,624	$64,790	22.6%	43.5%
77379	Klein / Spring	$147.2M	1,098	$74,925	83%	35.6%
77060	Greenspoint	$141.6M	1,522	$42,315	28.9%	43%
77546	Friendswood	$141.2M	1,500	$52,502	71.7%	12.5%
77035	Westbury	$125.5M	1,505	$66,477	29.5%	40.9%
77034	Southeast Houston	$117.7M	3,015	$25,873	46.2%	25.9%
77521	Baytown North	$112.4M	1,439	$23,732	74.1%	32.1%
77039	Aldine East	$109.3M	2,399	$35,112	59.7%	28.6%
77042	Westchase	$108.5M	1,065	$28,080	81%	51.3%
77077	Briar Forest	$103.1M	1,296	$15,927	85.3%	53.3%
77338	Humble	$97.7M	1,333	$30,000	39.8%	61.2%
77346	Atascocita	$90.7M	577	$112,590	60.8%	27.4%
77015	Cloverleaf	$90.6M	1,732	$24,792	66.6%	41.6%
77093	Northline East	$78.4M	2,564	$20,410	26.4%	31%
77041	Jersey Village	$77.4M	656	$82,026	90.5%	30%
77373	Spring	$76.9M	915	$40,526	66.2%	39.3%
77008	Houston Heights	$74.2M	1,310	$37,411	43.3%	20.8%
77013	Denver Harbor	$73.2M	1,130	$51,212	50.9%	25.8%
77505	Pasadena East	$68.3M	1,599	$24,491	63.6%	38.8%
77058	Clear Lake	$66.4M	1,531	$9,892	34.4%	19.5%
77056	Uptown / Galleria	$64.8M	747	$44,655	83.9%	46.3%
77075	South Houston	$61.2M	1,320	$26,866	66.8%	29.6%
77018	Garden Oaks	$60.6M	1,136	$26,187	66.2%	19.3%
77520	Baytown	$56.3M	1,478	$14,216	37.2%	30.5%
77044	Summerwood	$55.8M	935	$43,304	82.9%	19.8%
77063	Woodlake	$54.8M	743	$22,112	74.9%	50.1%
77069	Champions West	$54.5M	400	$52,002	73.2%	37%
77068	Champions South	$54.3M	539	$54,919	57.1%	40.1%
77336	Huffman	$53.8M	791	$34,926	50.8%	47.9%
77532	Crosby	$50.7M	986	$27,477	76.1%	41.6%
77375	Tomball	$50.2M	596	$44,774	75.6%	38.6%
77022	Independence Heights	$50.0M	1,150	$32,772	41.7%	12.1%
77028	Settegast	$47.8M	1,021	$24,030	81.4%	34.6%
77388	Spring West	$47.1M	663	$26,261	76.5%	52.9%
77032	Aldine	$46.9M	1,258	$24,615	17.4%	36.8%
77080	Spring Branch North	$46.5M	1,361	$27,239	61.1%	66.3%
77536	Deer Park	$45.4M	1,555	$14,080	83.5%	17.6%
77493	Katy West	$42.4M	449	$86,224	50.6%	28.1%
77049	Sheldon	$41.7M	899	$20,430	49.4%	36.8%
77502	Pasadena	$40.3M	1,057	$15,003	62.3%	25.5%
77587	South Houston	$38.7M	1,051	$22,429	51%	37.2%
77095	Copperfield North	$36.7M	532	$63,230	99.8%	79.3%
77092	Oak Forest	$36.6M	685	$34,968	40.9%	24.1%
77038	Aldine North	$36.1M	1,187	$19,407	23%	41.4%
77503	Pasadena Central	$34.5M	1,436	$13,898	72.8%	44.5%
77091	Acres Homes West	$34.1M	687	$32,408	53.5%	14.6%
77007	Rice Military / Washington Ave	$33.8M	475	$22,325	57.2%	36%
77073	Aldine North	$33.4M	719	$36,591	45.8%	61.6%
77026	Kashmere Gardens	$33.1M	838	$24,713	19.8%	12.5%
77016	Trinity Gardens	$33.0M	1,143	$20,644	80.2%	25.4%
77009	Near Northside	$30.9M	532	$20,009	56.1%	27.4%
77078	East Houston	$30.8M	470	$52,882	92.9%	9.8%
77066	North Greenspoint	$30.4M	979	$28,284	33.9%	25.8%
77389	Spring North	$30.2M	359	$38,103	68.2%	58.2%
77045	Central Southwest	$29.2M	1,421	$15,592	40.5%	49%
77065	Copperfield	$29.1M	575	$41,681	99.7%	48.7%
77029	Galena Park	$29.0M	475	$31,530	88.1%	26.1%
77506	Pasadena North	$28.8M	737	$13,505	67.4%	34.1%
77433	Cypress North	$28.8M	359	$68,339	72.4%	33.1%
77598	Webster	$28.5M	677	$11,555	79.6%	28.8%
77030	Texas Medical Center	$27.6M	274	$6,469	41.8%	25.5%
77055	Spring Branch	$27.5M	659	$21,078	94.1%	66.5%
77396	Humble / Atascocita	$26.4M	801	$22,348	47.2%	43.4%
77076	Northline	$26.0M	933	$19,623	97.3%	27.2%
77061	Hobby	$23.7M	724	$12,375	42.1%	41.6%
77562	Highlands	$23.3M	849	$12,605	46.1%	72.9%
77071	Braeburn	$23.2M	628	$12,603	57%	55.9%
77057	Galleria West	$22.5M	377	$9,467	85.6%	52%
77450	Katy	$22.3M	518	$13,176	98.5%	58.1%
77062	Clear Lake West	$22.2M	721	$5,254	95.1%	30.7%
77099	Alief East	$22.1M	697	$12,622	27.4%	67.4%
77027	Highland Village	$21.8M	270	$15,680	90.9%	37.8%
77504	Pasadena South	$21.8M	475	$15,686	92.4%	28.2%
77019	River Oaks	$21.2M	235	$15,307	69.3%	29.4%
77043	Spring Branch West	$21.2M	798	$12,840	93.8%	78.8%
77059	Clear Lake City	$20.8M	447	$4,605	86.1%	25.5%
77005	West University	$20.8M	603	$15,000	74.6%	28%
77087	Golfcrest	$19.7M	783	$7,393	54.2%	53.3%
77002	Downtown	$18.7M	193	$33,382	56.1%	38.3%
77072	Alief	$18.2M	969	$11,069	31.2%	76.5%
77530	Channelview	$17.3M	794	$10,228	54.8%	53.1%
77094	Nottingham Country	$17.0M	112	$137,138	89.3%	18.8%
77581	Pearland	$17.0M	330	$16,674	67.4%	36.1%
77021	OST / South Union	$16.7M	477	$12,238	87.8%	45.7%
77449	Katy North	$16.1M	305	$47,030	62%	28.5%
77004	Third Ward / Museum District	$15.7M	387	$16,098	64.3%	20.7%
77377	Tomball South	$14.7M	271	$27,900	76.2%	57.9%
77017	Park Place	$14.5M	359	$14,967	69.6%	35.1%
77031	Fondren Southwest	$14.2M	236	$24,178	78.4%	50%
77033	Sunnyside	$13.1M	715	$10,240	77.5%	47.4%
77047	South Acres	$9.3M	291	$13,656	65.7%	21.6%
77064	Willowbrook	$8.9M	239	$18,415	66.2%	54.4%
77048	South Houston	$8.5M	441	$9,586	65.6%	53.7%
77023	Eastwood	$8.1M	223	$14,620	40.7%	41.7%
77050	East Houston	$8.0M	166	$35,622	65.2%	19.3%
77082	Alief West	$7.6M	607	$5,637	18.1%	72.7%
77081	Gulfton	$7.5M	207	$12,115	70.3%	44.4%
77098	Upper Kirby	$7.5M	244	$9,632	95.7%	44.7%
77036	Sharpstown / Chinatown	$6.9M	198	$8,984	70.4%	68.2%
77020	Fifth Ward	$6.6M	166	$26,192	98.8%	22.9%
77012	Magnolia Park	$6.5M	114	$21,727	53.6%	28.1%
77086	Northwest Houston	$6.4M	233	$17,676	54.5%	63.5%
77083	Alief South	$6.2M	300	$16,946	30%	80.7%
77054	Medical Center South	$6.1M	80	$28,680	80.8%	36.2%
77011	East End	$5.6M	89	$26,249	79.8%	42.7%
77357	New Caney	$5.4M	63	$56,327	48.3%	73%
77547	Galena Park	$3.6M	112	$15,628	92%	27.7%
77447	Hockley	$3.4M	94	$21,727	47.3%	72.3%
77006	Montrose	$3.1M	219	$8,188	88.3%	33.8%
77053	Fort Bend Houston	$3.1M	264	$5,676	39.3%	70.1%
77067	Greenspoint East	$2.9M	114	$11,728	77%	50%
77365	Porter	$2.0M	52	$25,009	20.5%	61.5%
77477	Stafford	$1.8M	76	$13,621	60.8%	59.2%
77051	South Park	$1.6M	128	$5,924	73.3%	47.7%
77085	Brays Oaks	$1.4M	93	$6,170	65.6%	55.9%
77014	North Greenspoint	$1.3M	73	$8,469	95.9%	53.4%
77522	Baytown	$0.7M	37	$3,873	29.7%	51.4%
77003	EaDo	$0.5M	26	$9,292	95.8%	57.7%
77584	Pearland West	$0.4M	31	$7,520	90%	41.9%

Source: FEMA OpenFEMA, NFIP Claims dataset v3, retrieved September 8, 2026, filtered to county FIPS 48201 (Harris County, Texas). This product uses the Federal Emergency Management Agency’s OpenFEMA API but is not endorsed by FEMA. Only aggregates are published; no individual property record appears here.

Limits

What this lookup cannot tell you

It cannot tell you whether your address floods. A ZIP code covers thousands of properties and a great deal of elevation; two houses a few streets apart can sit very differently. Address-level history is a separate question.
It cannot tell you your odds. FEMA publishes claims, not policies-in-force, so there is no denominator here — you can see what was paid, never how often a covered home filed.
It cannot tell you what you would pay. Nothing on this page is a quote, a rate, or an eligibility decision. Those come from a licensed person looking at your actual property.

Questions

Questions about the numbers

Why is my ZIP code not listed?

The lookup covers 136 Harris County ZIP codes. A ZIP is left out for one of two reasons: it sits in another county — Montgomery, Fort Bend, Waller and Brazoria all border Harris and are not in this dataset — or it has fewer than 25 claims that paid more than $0, which is too thin a base to publish a median from. Three ZIPs that cleared the count were still dropped because they are PO-box-only ranges or an out-of-region mis-key.

What does “rated outside the high-risk zone” actually mean?

It means the claim's rated flood zone did not begin with A or V — the property was not rated in a Special Flood Hazard Area, so no lender would have required a flood policy on it. Those losses were paid because someone bought the coverage voluntarily, or they were not paid at all. A Texas homeowners policy excludes rising water regardless of the zone.

Does a high number here mean my premium will be high?

No, and the two are not directly connected. Flood premiums under FEMA's current rating method are set from the characteristics of the individual building — its elevation, foundation, replacement cost, distance to water — not from its ZIP code's claim history. This page is history, not rating.

Why use the median instead of the average?

Because the average is distorted by catastrophe. A handful of very large losses pull the mean well above what a typical claim paid, so the median — the middle claim — answers “what does this usually cost” more honestly. Both are shown in the table so you can see the gap for yourself.

How current is this?

It was retrieved from FEMA's OpenFEMA API on September 8, 2026. FEMA updates the dataset continuously as claims close, so a figure can move by a claim or two between retrievals. Nothing here is stated with more precision than that supports.

Keep reading

Want this read against your actual policy?

Bring the declarations page. Ricardo Barcelo, Insurance Consultant, works out of 1235 North Loop W in Houston and will read it against what has actually been paid in your ZIP, in English or Spanish.

Call (832) 271-8329 Text (832) 694-1221