Resources/Houston ZIP Code Map/Flood Zones

Houston flood zones, by ZIP code.

How much of each Greater Houston ZIP sits inside a FEMA high-risk flood zone, measured from FEMA’s own maps. Not an opinion, a percentage.

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I’m Eddie Weir, a REALTOR® with REMAX Signature in Greater Houston. Flood is the question every Houston buyer asks and the one most often answered badly, usually with a shrug or a sales line.

So here is a number instead. For every Greater Houston ZIP code, this is the share of its land area that FEMA maps inside a Special Flood Hazard Area, the 1 percent annual chance zone most people call the 100-year floodplain. 76 ZIPs are at 30 percent or more. The metro average is 26%.

One thing this page is not: a prediction that any ZIP floods. It measures how much mapped high-risk land a ZIP contains. Within a single ZIP some homes sit in the zone and most usually do not. Flood risk is decided at the address, by elevation and watershed, and that is where you have to check it.

What the number means

What a FEMA high-risk zone actually is

A Special Flood Hazard Area is land FEMA maps as having a 1 percent chance of flooding in any given year. Over a 30-year mortgage that compounds to roughly a 26 percent chance, which is why the label matters more than the reassuring nickname.

Three practical consequences:

Insurance becomes mandatory. With a federally backed mortgage on a home in an SFHA, flood insurance is required, not optional. It is separate from your homeowner’s policy, which does not cover rising water anywhere in Texas.

The zone letter changes the cost. Zones A and AE behave differently from V and VE coastal zones, and elevation relative to base flood elevation drives the premium. An elevation certificate can move a premium substantially.

Outside the zone is not zero risk. Flooding can happen outside FEMA’s mapped high-risk areas. This table measures the share of land in each ZIP within those areas; it does not predict whether a particular home will flood. Check the address, available flood history and an insurance quote together.

Highest exposure

The ten ZIP codes with the most mapped floodplain

By share of land area inside a FEMA high-risk zone. Coastal and bayou-adjacent ZIPs dominate, which is what you would expect and worth seeing in order.

ZIPIn high-risk zoneCommunity
7748199%Thompsons
7755496%Galveston, Jamaica Beach, Hitchcock
7765095%Bolivar Peninsula
7762392%Bolivar Peninsula
7755190%Galveston
7756384%Hitchcock, La Marque, Bayou Vista
7754183%Freeport, Jones Creek, Oyster Creek
7761783%Bolivar Peninsula
7740182%Bellaire & West U
7755080%Galveston

A high number here does not make a ZIP a bad place to live, and plenty of desirable Houston areas sit near water by design. It means diligence at the address level is not optional, and that your carrying cost will include flood insurance you should price before you write the offer, not after.

The full measurement

Every Greater Houston ZIP code by floodplain share

Grouped by primary county, highest share first within each. Percentages are the share of the ZIP’s land area inside a FEMA Special Flood Hazard Area.

Source: FEMA National Flood Hazard Layer Flood Hazard Zones, SFHA only, intersected with U.S. Census 2020 ZCTA boundaries. FEMA revises maps; always pull the current map for a specific address.
Jump to a ZIP code: all 252, by county

Harris County

Fort Bend County

  • 77053 Houston
  • 77406 Pecan Grove, Fulshear, Houston
  • 77407 Houston, Mission Bend
  • 77417 Beasley, Rosenberg, Kendleton
  • 77420 Boling, Iago
  • 77435 East Bernard
  • 77441 Fulshear, Weston Lakes, Simonton
  • 77444 Unincorporated Fort Bend County
  • 77451 Kendleton
  • 77459 Missouri City, Sienna, Sugar Land
  • 77461 Needville, Fairchilds, Pleak
  • 77464 Orchard
  • 77469 Rosenberg, Richmond, Thompsons
  • 77471 Rosenberg, Cumings, Pleak
  • 77476 Simonton
  • 77477 Stafford, Meadows Place, Fifth Street
  • 77478 Sugar Land, Stafford
  • 77479 Sugar Land, Missouri City
  • 77481 Thompsons
  • 77489 Missouri City, Houston, Stafford
  • 77494 Katy, Houston, Cinco Ranch
  • 77498 Sugar Land, Four Corners, Houston
  • 77545 Fresno, Missouri City, Houston

Montgomery County

  • 77301 Conroe, Cut and Shoot
  • 77302 Conroe, Grangerland, Woodloch
  • 77303 Conroe, Cut and Shoot
  • 77304 Conroe, Panorama Village
  • 77306 Grangerland, Cut and Shoot, Deerwood
  • 77316 Conroe, Montgomery
  • 77318 Conroe, Willis, Panorama Village
  • 77328 Cleveland, North Cleveland, Splendora
  • 77354 Pinehurst, Magnolia, The Woodlands
  • 77355 Stagecoach, Magnolia, Pinehurst
  • 77356 Montgomery, Conroe
  • 77357 Roman Forest, Woodbranch, Houston
  • 77358 New Waverly
  • 77362 Pinehurst, Tomball
  • 77365 Porter Heights, Houston
  • 77372 Splendora, Patton Village, Roman Forest
  • 77378 Willis, Conroe
  • 77380 The Woodlands, Houston, Shenandoah
  • 77381 The Woodlands, Shenandoah
  • 77382 The Woodlands, Conroe
  • 77384 Conroe, The Woodlands, Shenandoah
  • 77385 The Woodlands, Conroe, Oak Ridge North
  • 77386 Houston, Oak Ridge North
  • 77873 Richards, Shiro

Galveston County

  • 77510 Santa Fe, Hitchcock, La Marque
  • 77517 Santa Fe, Dickinson, Alvin
  • 77518 Bacliff, Texas City, Kemah
  • 77539 Texas City, Dickinson, League City
  • 77546 Friendswood, League City, Houston
  • 77550 Galveston
  • 77551 Galveston
  • 77554 Galveston, Jamaica Beach, Hitchcock
  • 77555 Galveston
  • 77563 Hitchcock, La Marque, Bayou Vista
  • 77565 Kemah, League City, Clear Lake Shores
  • 77568 La Marque, Texas City, Hitchcock
  • 77573 League City, Texas City
  • 77590 Texas City
  • 77591 Texas City, La Marque
  • 77617 Bolivar Peninsula
  • 77623 Bolivar Peninsula
  • 77650 Bolivar Peninsula

Brazoria County

  • 77422 Wild Peach Village, Brazoria, Lake Jackson
  • 77430 Damon
  • 77431 Unincorporated Brazoria County
  • 77480 Sweeny
  • 77486 West Columbia, East Columbia, Wild Peach Village
  • 77511 Alvin, League City, Manvel
  • 77515 Angleton, Bailey's Prairie, Lake Jackson
  • 77531 Clute, Richwood, Lake Jackson
  • 77534 Danbury, Alvin
  • 77541 Freeport, Jones Creek, Oyster Creek
  • 77566 Lake Jackson, Clute, Richwood
  • 77577 Liverpool
  • 77578 Manvel, Pearland, Alvin
  • 77581 Pearland, Brookside Village
  • 77583 Iowa Colony, Alvin, Rosharon
  • 77584 Pearland, Manvel, Alvin

Liberty County

Austin County

Chambers County

  • 77514 Anahuac, Oak Island
  • 77523 Mont Belvieu, Baytown, Beach City
  • 77560 Unincorporated Chambers County
  • 77580 Mont Belvieu
  • 77597 Unincorporated Chambers County
  • 77661 Stowell
  • 77665 Stowell, Winnie, Hamshire

Waller County

  • 77363 Pinebrook, Todd Mission, Plantersville
  • 77423 Brookshire, Pattison, Katy
  • 77445 Pine Island, Hempstead, Prairie View
  • 77446 Prairie View
  • 77466 Pattison
  • 77484 Waller, Prairie View, Houston
  • 77868 Navasota, Plantersville

Harris County 132 ZIP codes · 28 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7740182%—Bellaire & West U
7758676%—Clear Lake area
7709668%Meyerland Area, Westbury, Brays Oaks—
7707257%Alief—
7708257%Eldridge / West Oaks, Westchase—
7750755%——
7704352%Addicks Park Ten, Spring Branch West, Spring Branch NorthSpring Branch
7707752%Eldridge / West Oaks, Briar ForestEnergy Corridor
7702548%Braeswood, Near SouthwestBellaire & West U
7752048%——
7707448%Sharpstown, Braeburn, Westwood—
7705848%Clear LakeClear Lake area
7702647%Kashmere Gardens, Greater Fifth Ward—
7705047%East Little York / Homestead—
7703746%Northside/northline, Greater Greenspoint—
7734545%Kingwood AreaKingwood & Atascocita
7756243%——
7708440%Addicks Park Ten—
7706039%Greater Greenspoint—
7704037%Fairbanks / Northwest Crossing—
7733935%Kingwood AreaKingwood & Atascocita
7708935%South Belt / Ellington—
7749335%—Katy
7703835%——
7703934%——
7709933%Alief—
7757132%——
7709332%Eastex – Jensen Area—
7753030%——
7753229%——
7704729%South Acres / Crestmont Park, Central SouthwestMed Center South · Pearland
7745029%Eldridge / West OaksCinco Ranch · Katy
7758729%——
7743329%—Cypress & Cy-Fair
7733628%Lake Houston—
7750528%——
7704428%Lake Houston—
7701528%Northshore—
7733828%Lake Houston, IAH / Airport Area—
7704926%——
7739625%IAH / Airport Area—
7702224%Northside/northline, Independence Heights, Near Northside—
7752124%——
7737324%——
7709124%Acres Home, Greater Inwood—
7706622%——
7703022%Medical Center Area, University PlaceInner Loop
7701321%Northshore, El Dorado / Oates Prairie—
7701221%Harrisburg / Manchester / Smith Addition, Pecan Park, Magnolia Park—
7742921%—Cypress & Cy-Fair
7738920%——
7700820%Greater Heights, Lazybrook / TimbergroveThe Heights · Inner Loop
7744720%——
7703619%Sharpstown, Westwood—
7750619%——
7703219%IAH / Airport Area—
7737518%——
7709218%Central Northwest, Fairbanks / Northwest Crossing, Spring Branch East—
7707818%East Houston—
7734617%Lake HoustonKingwood & Atascocita
7707117%Brays Oaks—
7707516%Greater Hobby Area, South Belt / Ellington—
7702816%Trinity / Houston Gardens, East Houston, Settegast—
7705916%Clear Lake—
7753616%——
7703315%South Park, Sunnyside—
7706815%——
7737715%——
7703515%Westbury, Near Southwest, Brays Oaks—
7700715%Washington Avenue Coalition / Memorial Park, Greater Heights—
7759815%Clear LakeClear Lake area
7709015%——
7707014%——
7701714%Meadowbrook / Allendale, Park Place—
7704814%Minnetex, South Acres / Crestmont ParkMed Center South
7708114%Gulfton—
7700513%University Place, Greenway / Upper Kirby AreaBellaire & West U · Inner Loop
7706713%Greater Greenspoint—
7703413%South Belt / Ellington, Edgebrook Area—
7701812%Central Northwest, Independence HeightsThe Heights
7737912%——
7744912%——
7702912%Pleasantville Area, Clinton Park Tri-Community, Denver Harbor / Port Houston—
7701612%East Little York / Homestead, Trinity / Houston Gardens—
7754712%——
7701112%Magnolia Park, Second Ward, Lawndale / Wayside—
7708012%Spring Branch Central, Spring Branch North, Spring Branch WestSpring Branch
7750311%——
7708811%Acres Home, Greater Inwood—
7702311%Lawndale / Wayside, Gulfgate Riverview / Pine Valley, Greater EastwoodEaDo
7703111%Brays Oaks—
7704111%Carverdale—
7701911%Afton Oaks / River Oaks Area, Neartown – Montrose, Fourth WardInner Loop · River Oaks & Tanglewood
7700211%Downtown, MidtownInner Loop · Montrose & Midtown
7706111%Golfcrest / Bellfort / Reveille, Greater Hobby Area—
7707910%MemorialEnergy Corridor · Memorial
7706410%Willowbrook—
7709410%——
770839%——
773889%——
770859%Central Southwest, Fondren Gardens—
770099%Near Northside, Greater HeightsThe Heights
770869%Greater Inwood—
770698%——
770048%Greater Third Ward, MacGregor, Museum ParkInner Loop · Montrose & Midtown
775028%——
770628%Clear Lake—
770878%Golfcrest / Bellfort / Reveille, Gulfgate Riverview / Pine Valley—
770738%——
770208%Denver Harbor / Port Houston, Greater Fifth Ward—
770247%Memorial, Greater Uptown, Washington Avenue Coalition / Memorial ParkMemorial · Spring Branch
770427%Briar Forest, WestchaseEnergy Corridor
770146%——
770456%Central SouthwestMed Center South
770636%Mid West—
770215%Greater Ost / South Union, MacGregor—
775045%South Belt / Ellington—
770655%—Cypress & Cy-Fair
772044%Greater Third Ward—
770554%Spring Branch East, Spring Branch WestSpring Branch
770563%Greater UptownGalleria · River Oaks & Tanglewood
770573%Greater Uptown, Mid WestGalleria
770763%Northside/northline—
770033%Second Ward, Downtown, Greater EastwoodEaDo · Inner Loop
770952%—Cypress & Cy-Fair
770512%Sunnyside, Central Southwest—
770272%Afton Oaks / River Oaks Area, Greenway / Upper Kirby AreaGalleria · River Oaks & Tanglewood · Uptown
770540%Astrodome Area, South Main—
770060%Neartown – Montrose, University Place, MidtownInner Loop · Montrose & Midtown
770100%Downtown—
770460%Greenway / Upper Kirby AreaUptown
770980%Greenway / Upper Kirby Area, Neartown – Montrose, University PlaceInner Loop

Fort Bend County 23 ZIP codes · 6 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7748199%——
7747652%——
7745136%——
7740635%—Richmond & Rosenberg
7742033%——
7747932%—Sugar Land
7743530%——
7746930%—Richmond & Rosenberg
7746128%——
7747126%—Richmond & Rosenberg
7749820%—Sugar Land
7744419%——
7744117%—Cross Creek Ranch · Fulshear · Katy
7741717%——
7754516%——
7745915%—Missouri City
7746413%——
7705312%Fort Bend Houston, Central Southwest—
7740712%—Richmond & Rosenberg
774789%—Sugar Land
774946%—Cinco Ranch · Fulshear · Katy
774771%——
774891%Fort Bend HoustonMissouri City

Montgomery County 24 ZIP codes · 4 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7738640%——
7738533%——
7730432%——
7731830%——
7738027%—The Woodlands
7735726%——
7730626%——
7730224%——
7735623%——
7736523%——
7735422%——
7737222%——
7738120%—The Woodlands
7736220%——
7738418%—The Woodlands
7732818%——
7735516%——
7731615%——
7738215%—The Woodlands
7730115%——
7735813%——
7730312%——
7787310%——
773788%——

Galveston County 18 ZIP codes · 12 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7755496%——
7765095%——
7762392%——
7755190%——
7756384%——
7761783%——
7755080%——
7755568%——
7756567%——
7753952%——
7759041%——
7756833%——
7757322%—Clear Lake area
7754619%—Clear Lake area
7751817%——
7751013%——
775179%——
775914%——

Brazoria County 16 ZIP codes · 14 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7754183%——
7743175%——
7742275%——
7751563%——
7756663%——
7753456%——
7758355%——
7748043%——
7743041%——
7757736%——
7757835%——
7748634%——
7751132%——
7758131%—Pearland
7753127%——
7758421%—Pearland

Liberty County 12 ZIP codes · 5 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7757548%——
7732737%——
7753335%——
7753832%——
7737131%——
7753529%——
7758219%——
7756114%——
7756413%——
7736911%——
776293%——
773680%——

Austin County 13 ZIP codes · 1 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7748544%——
7742629%——
7747424%——
7741823%——
7894017%——
7893316%——
7783515%——
7783315%——
7894414%——
7895410%——
789318%——
789508%——
774730%——

Chambers County 7 ZIP codes · 3 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7751467%——
7759765%——
7756056%——
7752326%——
7766522%——
7758012%——
776610%——

Waller County 7 ZIP codes · 3 with 30% or more in the floodplain

ZIPIn FEMA high-risk zoneNeighborhoodsGuide
7746668%——
7742334%—Fulshear
7786833%——
7744526%——
7748413%——
7736311%——
774465%——

ZIP spotlights

The ZIP codes buyers ask about most

The same figures as the tables, pulled out for the ZIP codes that come up most in searches and in my inbox. A percentage describes the land in the ZIP, not any one house: Houston flood zone map by address for the zone FEMA assigned to it. Every other ZIP is one tap away in the jump list above the tables.

77493: Katy

FEMA maps 35% of the land in ZIP code 77493 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Katy. See 77493 in the table.

77494: Katy and Cinco Ranch

FEMA maps 6% of the land in ZIP code 77494 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Cinco Ranch, Fulshear, Katy. See 77494 in the table.

77433: Cypress

FEMA maps 29% of the land in ZIP code 77433 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Cypress & Cy-Fair. See 77433 in the table.

77459: Missouri City and Sienna

FEMA maps 15% of the land in ZIP code 77459 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Missouri City. See 77459 in the table.

77441: Fulshear

FEMA maps 17% of the land in ZIP code 77441 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Cross Creek Ranch, Fulshear, Katy. See 77441 in the table.

77373: Spring

FEMA maps 24% of the land in ZIP code 77373 inside a Special Flood Hazard Area, the 1% annual chance floodplain. See 77373 in the table.

77379: Spring and Klein

FEMA maps 12% of the land in ZIP code 77379 inside a Special Flood Hazard Area, the 1% annual chance floodplain. See 77379 in the table.

77355: Magnolia

FEMA maps 16% of the land in ZIP code 77355 inside a Special Flood Hazard Area, the 1% annual chance floodplain. See 77355 in the table.

77354: Magnolia

FEMA maps 22% of the land in ZIP code 77354 inside a Special Flood Hazard Area, the 1% annual chance floodplain. See 77354 in the table.

77423: Brookshire

FEMA maps 34% of the land in ZIP code 77423 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Fulshear. See 77423 in the table.

77584: Pearland

FEMA maps 21% of the land in ZIP code 77584 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Pearland. See 77584 in the table.

77024: Memorial and the Memorial Villages

FEMA maps 7% of the land in ZIP code 77024 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Memorial, Spring Branch. See 77024 in the table.

77019: River Oaks

FEMA maps 11% of the land in ZIP code 77019 inside a Special Flood Hazard Area, the 1% annual chance floodplain. Area guide: Inner Loop, River Oaks & Tanglewood. See 77019 in the table.

At the address

How to check a specific house

Pull the FEMA map for the address. The FEMA Flood Map Service Center gives the zone for a parcel. That, not the ZIP, is the answer.

Read the seller’s disclosure carefully. Texas requires sellers to disclose known flooding, prior claims and whether the property sits in a floodplain. My guide to the current disclosure form covers what changed and what to look for.

Get an insurance quote for the address. Ask the insurer what information it needs and whether an available elevation certificate would help. Get the quote early enough to review the cost and coverage before applicable contract deadlines.

My Houston flood zone buyer guide walks the whole process, and Houston flood zone map by address shows the FEMA zone for any address. The Houston ZIP code map and Houston ZIP codes and property tax sit beside this page.

Common questions

Frequently asked questions

Which Houston ZIP codes flood the most?

This table cannot tell you which ZIP has flooded most. It compares the share of land FEMA maps within high-risk flood zones, not past flooding or the risk to a particular house. Use it to start your questions, then check the property’s current map and available flood history.

Does a ZIP code tell me if a house floods?

No. Flood risk is set by elevation, watershed and the FEMA zone for that parcel. Two homes on the same street in one ZIP can carry different zones and very different insurance costs.

How many Houston ZIP codes are in a flood zone?

Nearly all contain some mapped floodplain. 76 of 252 have 30 percent or more of their land in a FEMA high-risk zone, 229 have at least 5 percent, and 23 are under 5 percent.

Do I need flood insurance if I am not in a high-risk zone?

It is not usually required, but a substantial share of Houston flood claims come from outside mapped high-risk areas. Given what Harvey did to homes that had never flooded, it is worth pricing regardless.

Does being in a floodplain lower the home’s value?

It affects carrying cost through insurance, and it narrows the buyer pool at resale. Whether it shows up in price depends on the submarket. If you want that read for a specific home, that is a comparative market analysis, and I am glad to run one.

Do FEMA flood maps change?

Yes. FEMA revises maps as studies are updated and drainage changes, and Harris County has seen significant revisions. Always pull the current map rather than relying on an older report.

What is the difference between a 100-year flood and a 1 percent annual chance?

They are the same thing, and the second phrasing is the honest one. A 1 percent annual chance is roughly a 26 percent chance across a 30-year mortgage, and it can happen in consecutive years.

Is the floodplain the same as the reservoir flood pools?

No. The Addicks and Barker reservoir flood pools are a separate consideration from the mapped SFHA and were central to Harvey litigation. If you are looking near either reservoir, that needs its own conversation.

The bottom line

Use this to ask better questions, not to rule ZIPs out

Houston is a coastal plain crossed by bayous. Mapped floodplain is a fact of the metro, not a defect in particular ZIPs, and some of the most desirable areas here carry real exposure.

What this table gives you is the right question at the right time: if a ZIP you like carries meaningful floodplain, check the address early, price the insurance during the option period, and read the disclosure closely. Book a 30-minute call if you want help doing that on a specific home.

For where the market stands right now — live inventory, median list prices and days on market for every Greater Houston ZIP — see the live Houston housing market dashboard, updated hourly.

Know the zone. Now read the map.

The full guide to reading Houston flood risk before you buy.

Sources

Flood zones: FEMA National Flood Hazard Layer, Flood Hazard Zones, Special Flood Hazard Areas only. ZIP boundaries and counties: U.S. Census Bureau 2020 ZCTA relationship files. Neighborhoods: City of Houston Super Neighborhoods.

Percentages describe the share of a ZIP code’s land area inside a mapped FEMA high-risk flood zone. They are not a prediction that any property will flood, and they are not insurance or engineering advice. FEMA revises its maps. Always obtain the current flood map, the seller’s disclosure and an insurance quote for the specific property before making a decision.

Eddie Weir, REALTOR® · REMAX Signature · License #560899
(346) 321-4422 · eddie@eddieweir.com

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