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.
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.
| ZIP | In high-risk zone | Community |
|---|---|---|
| 77481 | 99% | Thompsons |
| 77554 | 96% | Galveston, Jamaica Beach, Hitchcock |
| 77650 | 95% | Bolivar Peninsula |
| 77623 | 92% | Bolivar Peninsula |
| 77551 | 90% | Galveston |
| 77563 | 84% | Hitchcock, La Marque, Bayou Vista |
| 77541 | 83% | Freeport, Jones Creek, Oyster Creek |
| 77617 | 83% | Bolivar Peninsula |
| 77401 | 82% | Bellaire & West U |
| 77550 | 80% | 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.
Jump to a ZIP code: all 252, by county
Harris County
- 77002 Houston
- 77003 Houston
- 77004 Houston
- 77005 West University Place, Houston, Southside Place
- 77006 Houston
- 77007 Houston
- 77008 Houston
- 77009 Houston
- 77010 Houston
- 77011 Houston
- 77012 Houston
- 77013 Houston
- 77014 Houston
- 77015 Houston, Cloverleaf, Galena Park
- 77016 Houston
- 77017 Houston, Pasadena
- 77018 Houston
- 77019 Houston
- 77020 Houston
- 77021 Houston
- 77022 Houston
- 77023 Houston
- 77024 Houston, Piney Point Village, Hunters Creek Village
- 77025 Houston, Southside Place, West University Place
- 77026 Houston
- 77027 Houston
- 77028 Houston
- 77029 Houston, Jacinto City, Galena Park
- 77030 Houston
- 77031 Houston, Stafford
- 77032 Houston, Aldine
- 77033 Houston
- 77034 Houston
- 77035 Houston
- 77036 Houston
- 77037 Houston, Aldine
- 77038 Houston
- 77039 Aldine, Houston
- 77040 Houston, Jersey Village
- 77041 Houston, Jersey Village
- 77042 Houston
- 77043 Houston
- 77044 Houston, Atascocita
- 77045 Houston
- 77046 Houston
- 77047 Houston, Pearland
- 77048 Houston
- 77049 Sheldon, Houston, Channelview
- 77050 Houston
- 77051 Houston
- 77054 Houston
- 77055 Houston, Spring Valley Village, Hilshire Village
- 77056 Houston
- 77057 Houston
- 77058 Houston, Pasadena, Nassau Bay
- 77059 Houston, Pasadena
- 77060 Houston, Aldine
- 77061 Houston
- 77062 Houston
- 77063 Houston, Piney Point Village, Hunters Creek Village
- 77064 Houston, Jersey Village
- 77065 Houston, Jersey Village
- 77066 Houston
- 77067 Houston
- 77068 Houston
- 77069 Houston
- 77070 Houston
- 77071 Houston, Missouri City
- 77072 Houston
- 77073 Houston
- 77074 Houston
- 77075 Houston
- 77076 Houston
- 77077 Houston
- 77078 Houston
- 77079 Houston
- 77080 Houston
- 77081 Houston, Bellaire
- 77082 Houston
- 77083 Mission Bend, Houston, Four Corners
- 77084 Houston
- 77085 Houston, Missouri City
- 77086 Houston
- 77087 Houston
- 77088 Houston
- 77089 Houston, Pearland, Friendswood
- 77090 Houston
- 77091 Houston
- 77092 Houston
- 77093 Houston
- 77094 Houston
- 77095 Houston
- 77096 Houston
- 77098 Houston
- 77099 Houston, Meadows Place
- 77204 Houston
- 77336 Houston
- 77338 Houston, Humble, Atascocita
- 77339 Houston
- 77345 Houston
- 77346 Atascocita, Houston
- 77373 Spring, Houston
- 77375 Tomball, The Woodlands, Houston
- 77377 Tomball, Houston
- 77379 Houston
- 77388 Houston
- 77389 The Woodlands, Houston
- 77396 Houston, Atascocita, Humble
- 77401 Bellaire, Houston
- 77429 Houston
- 77433 Houston
- 77447 Houston
- 77449 Katy
- 77450 Houston, Cinco Ranch
- 77493 Katy, Houston
- 77502 Pasadena
- 77503 Pasadena, Deer Park
- 77504 Pasadena, Houston
- 77505 Pasadena, La Porte, Deer Park
- 77506 Pasadena, Houston
- 77507 Pasadena, La Porte
- 77520 Baytown, Houston
- 77521 Baytown, Mont Belvieu
- 77530 Channelview, Houston
- 77532 Barrett, Houston, Crosby
- 77536 Deer Park, Pasadena
- 77547 Galena Park, Houston
- 77562 Highlands, Barrett, Baytown
- 77571 La Porte, Houston, Morgan's Point
- 77586 Seabrook, Pasadena, Taylor Lake Village
- 77587 South Houston, Houston
- 77598 Webster, Houston, League City
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
- 77327 Cleveland, Plum Grove, North Cleveland
- 77368 Unincorporated Liberty County
- 77369 Big Thicket Lake Estates
- 77371 Shepherd, Cleveland
- 77533 Daisetta
- 77535 Dayton, Liberty, Mont Belvieu
- 77538 Devers
- 77561 Hardin
- 77564 Hull
- 77575 Liberty, Ames, Hardin
- 77582 Devers
- 77629 Nome
Austin County
- 77418 Bellville
- 77426 Unincorporated Austin County
- 77473 San Felipe
- 77474 Sealy, San Felipe, Brazos Country
- 77485 Wallis, Simonton
- 77833 Brenham
- 77835 Burton
- 78931 Unincorporated Austin County
- 78933 Unincorporated Austin County
- 78940 Fayetteville
- 78944 Industry
- 78950 New Ulm
- 78954 Round Top
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
Harris County 132 ZIP codes · 28 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77401 | 82% | — | Bellaire & West U |
| 77586 | 76% | — | Clear Lake area |
| 77096 | 68% | Meyerland Area, Westbury, Brays Oaks | — |
| 77072 | 57% | Alief | — |
| 77082 | 57% | Eldridge / West Oaks, Westchase | — |
| 77507 | 55% | — | — |
| 77043 | 52% | Addicks Park Ten, Spring Branch West, Spring Branch North | Spring Branch |
| 77077 | 52% | Eldridge / West Oaks, Briar Forest | Energy Corridor |
| 77025 | 48% | Braeswood, Near Southwest | Bellaire & West U |
| 77520 | 48% | — | — |
| 77074 | 48% | Sharpstown, Braeburn, Westwood | — |
| 77058 | 48% | Clear Lake | Clear Lake area |
| 77026 | 47% | Kashmere Gardens, Greater Fifth Ward | — |
| 77050 | 47% | East Little York / Homestead | — |
| 77037 | 46% | Northside/northline, Greater Greenspoint | — |
| 77345 | 45% | Kingwood Area | Kingwood & Atascocita |
| 77562 | 43% | — | — |
| 77084 | 40% | Addicks Park Ten | — |
| 77060 | 39% | Greater Greenspoint | — |
| 77040 | 37% | Fairbanks / Northwest Crossing | — |
| 77339 | 35% | Kingwood Area | Kingwood & Atascocita |
| 77089 | 35% | South Belt / Ellington | — |
| 77493 | 35% | — | Katy |
| 77038 | 35% | — | — |
| 77039 | 34% | — | — |
| 77099 | 33% | Alief | — |
| 77571 | 32% | — | — |
| 77093 | 32% | Eastex – Jensen Area | — |
| 77530 | 30% | — | — |
| 77532 | 29% | — | — |
| 77047 | 29% | South Acres / Crestmont Park, Central Southwest | Med Center South · Pearland |
| 77450 | 29% | Eldridge / West Oaks | Cinco Ranch · Katy |
| 77587 | 29% | — | — |
| 77433 | 29% | — | Cypress & Cy-Fair |
| 77336 | 28% | Lake Houston | — |
| 77505 | 28% | — | — |
| 77044 | 28% | Lake Houston | — |
| 77015 | 28% | Northshore | — |
| 77338 | 28% | Lake Houston, IAH / Airport Area | — |
| 77049 | 26% | — | — |
| 77396 | 25% | IAH / Airport Area | — |
| 77022 | 24% | Northside/northline, Independence Heights, Near Northside | — |
| 77521 | 24% | — | — |
| 77373 | 24% | — | — |
| 77091 | 24% | Acres Home, Greater Inwood | — |
| 77066 | 22% | — | — |
| 77030 | 22% | Medical Center Area, University Place | Inner Loop |
| 77013 | 21% | Northshore, El Dorado / Oates Prairie | — |
| 77012 | 21% | Harrisburg / Manchester / Smith Addition, Pecan Park, Magnolia Park | — |
| 77429 | 21% | — | Cypress & Cy-Fair |
| 77389 | 20% | — | — |
| 77008 | 20% | Greater Heights, Lazybrook / Timbergrove | The Heights · Inner Loop |
| 77447 | 20% | — | — |
| 77036 | 19% | Sharpstown, Westwood | — |
| 77506 | 19% | — | — |
| 77032 | 19% | IAH / Airport Area | — |
| 77375 | 18% | — | — |
| 77092 | 18% | Central Northwest, Fairbanks / Northwest Crossing, Spring Branch East | — |
| 77078 | 18% | East Houston | — |
| 77346 | 17% | Lake Houston | Kingwood & Atascocita |
| 77071 | 17% | Brays Oaks | — |
| 77075 | 16% | Greater Hobby Area, South Belt / Ellington | — |
| 77028 | 16% | Trinity / Houston Gardens, East Houston, Settegast | — |
| 77059 | 16% | Clear Lake | — |
| 77536 | 16% | — | — |
| 77033 | 15% | South Park, Sunnyside | — |
| 77068 | 15% | — | — |
| 77377 | 15% | — | — |
| 77035 | 15% | Westbury, Near Southwest, Brays Oaks | — |
| 77007 | 15% | Washington Avenue Coalition / Memorial Park, Greater Heights | — |
| 77598 | 15% | Clear Lake | Clear Lake area |
| 77090 | 15% | — | — |
| 77070 | 14% | — | — |
| 77017 | 14% | Meadowbrook / Allendale, Park Place | — |
| 77048 | 14% | Minnetex, South Acres / Crestmont Park | Med Center South |
| 77081 | 14% | Gulfton | — |
| 77005 | 13% | University Place, Greenway / Upper Kirby Area | Bellaire & West U · Inner Loop |
| 77067 | 13% | Greater Greenspoint | — |
| 77034 | 13% | South Belt / Ellington, Edgebrook Area | — |
| 77018 | 12% | Central Northwest, Independence Heights | The Heights |
| 77379 | 12% | — | — |
| 77449 | 12% | — | — |
| 77029 | 12% | Pleasantville Area, Clinton Park Tri-Community, Denver Harbor / Port Houston | — |
| 77016 | 12% | East Little York / Homestead, Trinity / Houston Gardens | — |
| 77547 | 12% | — | — |
| 77011 | 12% | Magnolia Park, Second Ward, Lawndale / Wayside | — |
| 77080 | 12% | Spring Branch Central, Spring Branch North, Spring Branch West | Spring Branch |
| 77503 | 11% | — | — |
| 77088 | 11% | Acres Home, Greater Inwood | — |
| 77023 | 11% | Lawndale / Wayside, Gulfgate Riverview / Pine Valley, Greater Eastwood | EaDo |
| 77031 | 11% | Brays Oaks | — |
| 77041 | 11% | Carverdale | — |
| 77019 | 11% | Afton Oaks / River Oaks Area, Neartown – Montrose, Fourth Ward | Inner Loop · River Oaks & Tanglewood |
| 77002 | 11% | Downtown, Midtown | Inner Loop · Montrose & Midtown |
| 77061 | 11% | Golfcrest / Bellfort / Reveille, Greater Hobby Area | — |
| 77079 | 10% | Memorial | Energy Corridor · Memorial |
| 77064 | 10% | Willowbrook | — |
| 77094 | 10% | — | — |
| 77083 | 9% | — | — |
| 77388 | 9% | — | — |
| 77085 | 9% | Central Southwest, Fondren Gardens | — |
| 77009 | 9% | Near Northside, Greater Heights | The Heights |
| 77086 | 9% | Greater Inwood | — |
| 77069 | 8% | — | — |
| 77004 | 8% | Greater Third Ward, MacGregor, Museum Park | Inner Loop · Montrose & Midtown |
| 77502 | 8% | — | — |
| 77062 | 8% | Clear Lake | — |
| 77087 | 8% | Golfcrest / Bellfort / Reveille, Gulfgate Riverview / Pine Valley | — |
| 77073 | 8% | — | — |
| 77020 | 8% | Denver Harbor / Port Houston, Greater Fifth Ward | — |
| 77024 | 7% | Memorial, Greater Uptown, Washington Avenue Coalition / Memorial Park | Memorial · Spring Branch |
| 77042 | 7% | Briar Forest, Westchase | Energy Corridor |
| 77014 | 6% | — | — |
| 77045 | 6% | Central Southwest | Med Center South |
| 77063 | 6% | Mid West | — |
| 77021 | 5% | Greater Ost / South Union, MacGregor | — |
| 77504 | 5% | South Belt / Ellington | — |
| 77065 | 5% | — | Cypress & Cy-Fair |
| 77204 | 4% | Greater Third Ward | — |
| 77055 | 4% | Spring Branch East, Spring Branch West | Spring Branch |
| 77056 | 3% | Greater Uptown | Galleria · River Oaks & Tanglewood |
| 77057 | 3% | Greater Uptown, Mid West | Galleria |
| 77076 | 3% | Northside/northline | — |
| 77003 | 3% | Second Ward, Downtown, Greater Eastwood | EaDo · Inner Loop |
| 77095 | 2% | — | Cypress & Cy-Fair |
| 77051 | 2% | Sunnyside, Central Southwest | — |
| 77027 | 2% | Afton Oaks / River Oaks Area, Greenway / Upper Kirby Area | Galleria · River Oaks & Tanglewood · Uptown |
| 77054 | 0% | Astrodome Area, South Main | — |
| 77006 | 0% | Neartown – Montrose, University Place, Midtown | Inner Loop · Montrose & Midtown |
| 77010 | 0% | Downtown | — |
| 77046 | 0% | Greenway / Upper Kirby Area | Uptown |
| 77098 | 0% | Greenway / Upper Kirby Area, Neartown – Montrose, University Place | Inner Loop |
Fort Bend County 23 ZIP codes · 6 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77481 | 99% | — | — |
| 77476 | 52% | — | — |
| 77451 | 36% | — | — |
| 77406 | 35% | — | Richmond & Rosenberg |
| 77420 | 33% | — | — |
| 77479 | 32% | — | Sugar Land |
| 77435 | 30% | — | — |
| 77469 | 30% | — | Richmond & Rosenberg |
| 77461 | 28% | — | — |
| 77471 | 26% | — | Richmond & Rosenberg |
| 77498 | 20% | — | Sugar Land |
| 77444 | 19% | — | — |
| 77441 | 17% | — | Cross Creek Ranch · Fulshear · Katy |
| 77417 | 17% | — | — |
| 77545 | 16% | — | — |
| 77459 | 15% | — | Missouri City |
| 77464 | 13% | — | — |
| 77053 | 12% | Fort Bend Houston, Central Southwest | — |
| 77407 | 12% | — | Richmond & Rosenberg |
| 77478 | 9% | — | Sugar Land |
| 77494 | 6% | — | Cinco Ranch · Fulshear · Katy |
| 77477 | 1% | — | — |
| 77489 | 1% | Fort Bend Houston | Missouri City |
Montgomery County 24 ZIP codes · 4 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77386 | 40% | — | — |
| 77385 | 33% | — | — |
| 77304 | 32% | — | — |
| 77318 | 30% | — | — |
| 77380 | 27% | — | The Woodlands |
| 77357 | 26% | — | — |
| 77306 | 26% | — | — |
| 77302 | 24% | — | — |
| 77356 | 23% | — | — |
| 77365 | 23% | — | — |
| 77354 | 22% | — | — |
| 77372 | 22% | — | — |
| 77381 | 20% | — | The Woodlands |
| 77362 | 20% | — | — |
| 77384 | 18% | — | The Woodlands |
| 77328 | 18% | — | — |
| 77355 | 16% | — | — |
| 77316 | 15% | — | — |
| 77382 | 15% | — | The Woodlands |
| 77301 | 15% | — | — |
| 77358 | 13% | — | — |
| 77303 | 12% | — | — |
| 77873 | 10% | — | — |
| 77378 | 8% | — | — |
Galveston County 18 ZIP codes · 12 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77554 | 96% | — | — |
| 77650 | 95% | — | — |
| 77623 | 92% | — | — |
| 77551 | 90% | — | — |
| 77563 | 84% | — | — |
| 77617 | 83% | — | — |
| 77550 | 80% | — | — |
| 77555 | 68% | — | — |
| 77565 | 67% | — | — |
| 77539 | 52% | — | — |
| 77590 | 41% | — | — |
| 77568 | 33% | — | — |
| 77573 | 22% | — | Clear Lake area |
| 77546 | 19% | — | Clear Lake area |
| 77518 | 17% | — | — |
| 77510 | 13% | — | — |
| 77517 | 9% | — | — |
| 77591 | 4% | — | — |
Brazoria County 16 ZIP codes · 14 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77541 | 83% | — | — |
| 77431 | 75% | — | — |
| 77422 | 75% | — | — |
| 77515 | 63% | — | — |
| 77566 | 63% | — | — |
| 77534 | 56% | — | — |
| 77583 | 55% | — | — |
| 77480 | 43% | — | — |
| 77430 | 41% | — | — |
| 77577 | 36% | — | — |
| 77578 | 35% | — | — |
| 77486 | 34% | — | — |
| 77511 | 32% | — | — |
| 77581 | 31% | — | Pearland |
| 77531 | 27% | — | — |
| 77584 | 21% | — | Pearland |
Liberty County 12 ZIP codes · 5 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77575 | 48% | — | — |
| 77327 | 37% | — | — |
| 77533 | 35% | — | — |
| 77538 | 32% | — | — |
| 77371 | 31% | — | — |
| 77535 | 29% | — | — |
| 77582 | 19% | — | — |
| 77561 | 14% | — | — |
| 77564 | 13% | — | — |
| 77369 | 11% | — | — |
| 77629 | 3% | — | — |
| 77368 | 0% | — | — |
Austin County 13 ZIP codes · 1 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77485 | 44% | — | — |
| 77426 | 29% | — | — |
| 77474 | 24% | — | — |
| 77418 | 23% | — | — |
| 78940 | 17% | — | — |
| 78933 | 16% | — | — |
| 77835 | 15% | — | — |
| 77833 | 15% | — | — |
| 78944 | 14% | — | — |
| 78954 | 10% | — | — |
| 78931 | 8% | — | — |
| 78950 | 8% | — | — |
| 77473 | 0% | — | — |
Chambers County 7 ZIP codes · 3 with 30% or more in the floodplain
| ZIP | In FEMA high-risk zone | Neighborhoods | Guide |
|---|---|---|---|
| 77514 | 67% | — | — |
| 77597 | 65% | — | — |
| 77560 | 56% | — | — |
| 77523 | 26% | — | — |
| 77665 | 22% | — | — |
| 77580 | 12% | — | — |
| 77661 | 0% | — | — |
Waller County 7 ZIP codes · 3 with 30% or more in the floodplain
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

