What share of homes for sale in Houston are in a flood zone?
Built from Allen Markel's own listing data · Texas Premier Realty ·
Short answer
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). A flood zone is a map designation, not a history of flooding, and the zone for a specific address is what matters, so check the address before you make an offer.
Flood zones on the listings
Of the 11,710 active homes in Houston, the flood zone breakdown on the listings is 90% in zone X, 10% in zone AE. Zone X is generally outside the mapped special flood hazard area; zones starting with A or V are inside it and usually mean flood insurance is required with a federally backed mortgage.
Checking one address
A home outside the mapped area can still flood, and insurance is priced by elevation, location and the property, so quotes vary. Check the address on our Flood Zone Lookup and get an insurance quote before the end of the option period. A Houston average is a starting point, not a verdict on any one property, and the right move depends on your timeline, finances and the home itself. For a specific address in Houston, talk to us to find the right option for your circumstances.
| Measure | Value |
|---|---|
| Homes for sale now | 11,710 |
| Share in a special flood hazard area | 10% |
| Share in flood zone X | 90% |
| Share in flood zone AE | 10% |
Common follow-up questions
Does a zone X home never flood?
No. Zone X means the area is outside the mapped special flood hazard area, not that flooding is impossible.
Where do I look up an address?
Use our Flood Zone Lookup tool on the Resources menu, then confirm with an insurance quote.
Sources
Talk it through with Allen
A short call can turn a general answer into one for your address, your timeline and your numbers.
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Answers describe transactions and public data. They are not legal, tax or financial advice.