Topic
Flood & Insurance: your questions answered
Water is part of life in the Houston area, so buyers ask about flood maps, flood insurance, and what past storms mean for a house. I answer these with the public map sources and the numbers they publish, and I say where to look up a specific address yourself. Insurance rules and prices depend on the property and the carrier, so please confirm coverage with a licensed insurance agent before you make an offer.
Answered by Allen Markel, REALTOR®, Texas Premier Realty · 45 questions answered
Questions about Flood & Insurance
Does Cypress flood?
Parts of Cypress are in a mapped FEMA flood hazard area and parts are not. Checking the location of every active Cypress listing against the FEMA National Flood Hazard Layer, 205 of 1,326 homes for…
Read answerDo I need flood insurance in Cypress if my house is outside the mapped floodplain?
Federal rules require flood insurance when a federally backed or regulated lender finances a home inside a FEMA Special Flood Hazard Area.
Read answerHow do I check the flood zone of a specific Cypress address?
Enter the address in the FEMA Map Service Center flood map search at msc.fema.gov, which returns the flood zone, panel number and effective date. Each listing on this site also shows the FEMA zone.
Read answerWhat does the Harris County Flood Control District add to a Cypress tax bill?
The Harris County Flood Control District (HCFCD) charged $0.04966 per $100 of taxable value for 2025, which is about $209 a year on a $421,000 Cypress home, or 1.9% of the total rate. The rate was $0.
Read answerDoes Harris County flood?
Parts of Harris County flood and most homes are outside the mapped hazard area. Of 20,471 active Harris County listings, 1,918 (9.4%) are in a FEMA flood zone that is a Special Flood Hazard Area…
Read answerWhat does the Harris County Flood Control District tax fund?
The Harris County Flood Control District (HCFCD) tax, $0.04966 per $100 of taxable value in 2025, funds county-wide flood damage reduction: channel and stormwater basin maintenance, drainage and…
Read answerWhat share of homes for sale in Baytown are in a flood zone?
About 4% of the homes for sale in Baytown are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (96% in zone X, 3% in zone AE, 1% in zone VE).
Read answerWhat share of homes for sale in Beasley are in a flood zone?
Rounded to the nearest percent, none of the homes for sale in Beasley are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (all in zone X).
Read answerWhat share of homes for sale in Bellville are in a flood zone?
Rounded to the nearest percent, none of the homes for sale in Bellville are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (all in zone X).
Read answerWhat share of homes for sale in Brookshire are in a flood zone?
About 1% of the homes for sale in Brookshire are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Cleveland are in a flood zone?
About 9% of the homes for sale in Cleveland are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (91% in zone X, 8% in zone AE, 2% in zone A).
Read answerWhat share of homes for sale in Conroe are in a flood zone?
About 5% of the homes for sale in Conroe are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (95% in zone X, 5% in zone AE).
Read answerWhat share of homes for sale in Crosby are in a flood zone?
About 1% of the homes for sale in Crosby are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Fresno are in a flood zone?
About 4% of the homes for sale in Fresno are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (96% in zone X, 4% in zone AE).
Read answerWhat share of homes for sale in Fulshear are in a flood zone?
About 6% of the homes for sale in Fulshear are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (94% in zone X, 6% in zone AE).
Read answerWhat share of homes for sale in Hempstead are in a flood zone?
Rounded to the nearest percent, none of the homes for sale in Hempstead are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (all in zone X).
Read answerWhat share of homes for sale in Hockley are in a flood zone?
About 1% of the homes for sale in Hockley are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Houston are in a flood zone?
About 10% of the homes for sale in Houston are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (90% in zone X, 10% in zone AE).
Read answerWhat share of homes for sale in Huffman are in a flood zone?
About 3% of the homes for sale in Huffman are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (97% in zone X, 3% in zone AE).
Read answerWhat share of homes for sale in Humble are in a flood zone?
About 2% of the homes for sale in Humble are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (98% in zone X, 2% in zone AE).
Read answerWhat share of homes for sale in Katy are in a flood zone?
About 6% of the homes for sale in Katy are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (94% in zone X, 6% in zone AE).
Read answerWhat share of homes for sale in Kingwood are in a flood zone?
About 9% of the homes for sale in Kingwood are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (91% in zone X, 9% in zone AE).
Read answerWhat share of homes for sale in La Porte are in a flood zone?
About 27% of the homes for sale in La Porte are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (73% in zone X, 26% in zone AE, 1% in zone VE).
Read answerWhat share of homes for sale in Magnolia are in a flood zone?
About 2% of the homes for sale in Magnolia are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (98% in zone X, 2% in zone AE).
Read answerWhat share of homes for sale in Missouri City are in a flood zone?
Rounded to the nearest percent, none of the homes for sale in Missouri City are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (all in zone X).
Read answerWhat share of homes for sale in Montgomery are in a flood zone?
About 2% of the homes for sale in Montgomery are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (98% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Navasota are in a flood zone?
About 11% of the homes for sale in Navasota are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (89% in zone X, 6% in zone A, 4% in zone AE).
Read answerWhat share of homes for sale in Needville are in a flood zone?
About 1% of the homes for sale in Needville are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone A, 1% in zone AE).
Read answerWhat share of homes for sale in New Caney are in a flood zone?
About 5% of the homes for sale in New Caney are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (95% in zone X, 5% in zone AE).
Read answerWhat share of homes for sale in Pasadena are in a flood zone?
About 7% of the homes for sale in Pasadena are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (93% in zone X, 7% in zone AE).
Read answerWhat share of homes for sale in Pinehurst are in a flood zone?
About 1% of the homes for sale in Pinehurst are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Plantersville are in a flood zone?
Rounded to the nearest percent, none of the homes for sale in Plantersville are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (all in zone X).
Read answerWhat share of homes for sale in Porter are in a flood zone?
About 1% of the homes for sale in Porter are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE, 1% in zone A).
Read answerWhat share of homes for sale in Richmond are in a flood zone?
About 9% of the homes for sale in Richmond are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (91% in zone X, 9% in zone AE).
Read answerWhat share of homes for sale in Rosenberg are in a flood zone?
About 5% of the homes for sale in Rosenberg are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (95% in zone X, 5% in zone AE).
Read answerWhat share of homes for sale in Rosharon are in a flood zone?
About 13% of the homes for sale in Rosharon are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (87% in zone X, 12% in zone AE, 1% in zone A, 1% in zone AO).
Read answerWhat share of homes for sale in Seabrook are in a flood zone?
About 74% of the homes for sale in Seabrook are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (54% in zone AE, 26% in zone X, 20% in zone VE).
Read answerWhat share of homes for sale in Sealy are in a flood zone?
About 1% of the homes for sale in Sealy are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Splendora are in a flood zone?
About 9% of the homes for sale in Splendora are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (91% in zone X, 6% in zone AE, 3% in zone A).
Read answerWhat share of homes for sale in Spring are in a flood zone?
About 3% of the homes for sale in Spring are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (97% in zone X, 2% in zone AE, 1% in zone A).
Read answerWhat share of homes for sale in Sugar Land are in a flood zone?
Rounded to the nearest percent, none of the homes for sale in Sugar Land are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (all in zone X).
Read answerWhat share of homes for sale in The Woodlands are in a flood zone?
About 2% of the homes for sale in The Woodlands are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (98% in zone X, 2% in zone AE).
Read answerWhat share of homes for sale in Tomball are in a flood zone?
About 1% of the homes for sale in Tomball are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (99% in zone X, 1% in zone AE).
Read answerWhat share of homes for sale in Waller are in a flood zone?
About 3% of the homes for sale in Waller are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (97% in zone X, 2% in zone AE, 1% in zone A).
Read answerWhat share of homes for sale in Willis are in a flood zone?
About 2% of the homes for sale in Willis are in a FEMA special flood hazard area, based on the flood zone recorded on each listing (98% in zone X, 1% in zone A).
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Talk it through with Allen
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Answers describe transactions and public data. They are not legal, tax or financial advice.