OUT OFTHE STORMNEWS

Clear answers on insurance and retirement income.

Insurance pressure tool

ZIP-based Insurance Pressure Planner

See whether your ZIP is facing above-average flood and homeowners insurance pressure before your next renewal. This uses aggregated public data and is not a quote.

No address or policy details. Try 77002, 29401, or 23510 for ZIPs with public FIO homeowners rows.

Result for 77002

Houston, TX · Harris County

Area-level educational result, not a quote, flood-zone determination, underwriting view, or coverage recommendation.

Elevatedcounty data

What this result means

Use this as a renewal conversation map

The score combines available flood cost, county hazard, and homeowners market signals. It points to questions worth asking before renewal; it does not estimate your price.

Read home insurance guides

Pressure breakdown

Flood and homeowners signals

  • Flood premium$990Moderate pressure

    NFIP county or state average premium among newly written or renewed policies.

  • Flood hazardVery highHigh pressure

    FEMA National Risk Index county flood hazard context.

  • Homeowners market$3,474Moderate pressure

    Treasury FIO ZIP-level premium, loss, nonrenewal, and cancellation metrics.

Flood premium context
$990

Harris County NFIP average premium among newly written or renewed policies. Texas average: $966 (-1.7% vs US).

Flood hazard context
Very high

FEMA National Risk Index county signal when ZIP/county resolution is available.

Homeowners premium
$3,474

ZIP data · Moderate

Homeowners trend
-8.1%

0.0% nonrenewal; 0.0% combined cancellation/nonrenewal

Latest flood data
May 2026

NFIP policies newly written or renewed, not the official in-force average.

Homeowners data note

FIO 2022 ZIP row: loss ratio 17.7%, policy decile 1. FIO excludes flood insurance, residual market, E&S, and reinsurance.

Renewal checklist

  1. Ask whether your flood policy is NFIP, private flood, or both, and confirm the renewal effective date.
  2. Ask whether the renewal changed building coverage, contents coverage, or deductible language.
  3. Ask whether your mortgage or local flood map status requires coverage even if you have not flooded before.
  4. Ask your homeowners insurer which water, wind, hurricane, and named-storm deductibles apply separately.
  5. Ask what mitigation documents, elevation certificates, or community discounts can be reviewed before renewal.

Sources used

The homeowners snapshot is generated from 25,593 public FIO ZIP rows for 2022 and the 2018 baseline where available. FIO rows may be missing when public disclosure thresholds are not met, and the FIO file excludes flood insurance, residual market plans, excess and surplus lines, and reinsurance. For an official NFIP quote flow, use FloodSmart. For broader methodology, start with the Flood Insurance Cost Index methodology.

Privacy and advice boundary

This tool does not ask for your address, carrier, policy number, claim history, income, or medical details. It does not determine your flood zone, predict a renewal premium, recommend coverage, or replace an insurer, agent, state insurance department, or FEMA/FloodSmart.

ZIP-based Insurance Pressure Planner — Out of the Storm News