Flood Claims Map

Texas

Flood insurance claims in Harris County, Texas

FEMA records 170,854 National Flood Insurance Program claims in Harris County, Texas, since 1978, with $8.76 billion paid in total. The year with the most claims was 2017, with 49,788. As of 3 August 2026, 16.6% of homes here had an NFIP policy, and 48.4% of homes in the high-risk flood zone did.

NFIP claims on record170,854
Total paid$8.76 billion
Claims with a payment140,105
Homes with NFIP policy16.6%
High-risk zone homes insured48.4%
Residential policies in force206,279

Claims by year of loss

1978: 18019781979: 8,1401980: 6601981: 4,7651982: 42819821983: 6,7621984: 1,1531985: 7111986: 23519861987: 5641988: 651989: 6,4871990: 7919901991: 4121992: 2,9071993: 4451994: 3,56119941995: 3281996: 2851997: 1,6241998: 3,93619981999: 5912000: 2772001: 22,9462002: 3,19820022003: 1,6502004: 3302005: 3862006: 2,46620062007: 1,4252008: 13,7162009: 4,8242010: 35820102011: 622012: 9442013: 4512014: 34020142015: 7,0022016: 8,1572017: 49,7882018: 25920182019: 4,7732020: 3482021: 5732022: 18720222023: 1872024: 1,7452025: 632026: 81202649,788

NFIP claims by year of loss, Harris County, Texas

1978: $448,22119781979: $71.5 million1980: $1.6 million1981: $29.9 million1982: $1.5 million19821983: $89.2 million1984: $16.0 million1985: $3.4 million1986: $852,05119861987: $3.1 million1988: $103,1991989: $83.6 million1990: $254,48119901991: $2.0 million1992: $52.3 million1993: $4.2 million1994: $98.7 million19941995: $1.3 million1996: $4.9 million1997: $17.1 million1998: $78.8 million19981999: $4.6 million2000: $1.7 million2001: $873.7 million2002: $75.8 million20022003: $33.7 million2004: $2.2 million2005: $2.8 million2006: $56.4 million20062007: $31.2 million2008: $424.8 million2009: $140.6 million2010: $2.4 million20102011: $87,1592012: $17.8 million2013: $6.4 million2014: $3.2 million20142015: $396.9 million2016: $446.0 million2017: $5.38 billion2018: $3.1 million20182019: $223.0 million2020: $6.5 million2021: $3.7 million2022: $2.6 million20222023: $2.7 million2024: $54.1 million2025: $866,6482026: $1.6 million2026$5.38 billion

Paid on claims by year of loss (building, contents and increased cost of compliance), Harris County, Texas

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Harvey48,992
Tropical Storm Allison25,050
Flooding22,506
Hurricane Ike13,360
Spring severe storms7,289
Early summer storms5,748
Hurricane Alicia4,832
Tropical Storm Imelda4,038

ZIP codes with the most claims

ZIP code (as reported)Claims
770896,742
770966,482
775714,797
775864,783
770884,660
770374,197
770404,157
770343,524
770793,382
774013,302

75,548 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.80 billion, contents $1.94 billion, increased cost of compliance $20.1 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone113,21554,76448.4%
All homes1,245,880206,27916.6%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.