FEMA Flood Zone Breakdown
Share of 77401 land area within each FEMA flood zone classification. Zone boundaries are modeled estimates, not guarantees — the zone for a specific parcel can differ from the ZIP average.
Storm History for 77401
| Harvey | Severe |
| Allison | Significant |
| Memorial Day | Significant |
| Tax Day | Limited |
| Beryl | Limited |
Relative claim impact in 77401 by named event. Address-level storm history — including what happened at a specific property — is included in the full report. Past claims are one signal among many, not a prediction.
Common Questions
About 81.8% of 77401 falls within FEMA Special Flood Hazard Areas (zones AE/VE). Risk varies street by street — a modeled estimate for a specific address is more informative than a ZIP average. Zone designations are modeled estimates, not guarantees.
NFIP records show 3,302 flood insurance claims in 77401 across all recorded events, with an average payment of $70,277. 2,109 of those claims followed Hurricane Harvey.
Flood insurance requirements depend on your lender and the specific FEMA zone of your property, not the ZIP average. Standard homeowners policies do not cover flooding. Consult a licensed insurance professional about your situation.
NFIP claim records in 77401 span Harvey, Allison, Memorial Day, among other events. Historical claims are one signal among many and do not predict future flooding.
ZIP averages only go so far
FEMA zone, risk score, and claim history for your specific address — free, in about 30 seconds.
Check My AddressData sources: FEMA National Flood Hazard Layer, NFIP claim records (OpenFEMA), USGS. Floodfolio provides data for informational reference only — modeled estimates, not guarantees. Flood insurance decisions: consult a licensed insurance professional.