Does Roseland Manor flood?
Roseland Manor, Baytown, TX · ZIP code 77520: the ZIP code on 135 of the 135 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Roseland Manor have filed flood claims. About 19% of Roseland Manor’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 135 claims from the Census block groups that cover Roseland Manor, from 1979 through 2024. 92 of them received a payment, totaling $4,082,697 (not adjusted for inflation). The busiest years were 2017 (36 claims), 2008 (22 claims), 1983 (21 claims).
What this page counts as Roseland Manor
We could not find an openly licensed official boundary for Roseland Manor, so this page uses a census-based area. For this page, Roseland Manor means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Roseland Manor (feature 2471860) and inside the Baytown city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Roseland Manor. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Roseland Manor
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Roseland Manor
The named streets in Roseland Manor, longest first, with how much of each street’s length inside Roseland Manor lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Roseland Manor; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 22 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Ward Rd | 1.4 mi | 0.0% | X (unshaded, minimal) (84%) |
| N Alexander Dr | 1.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| Kilgore Rd | 1.2 mi | 47% | AE (47%) |
| Narcille St | 5,000 ft | 0.0% | X (shaded, 0.2% annual chance) (55%) |
| E Fayle Ave | 4,540 ft | 0.0% | X (unshaded, minimal) (56%) |
| Danubina St | 3,810 ft | 0.0% | X (unshaded, minimal) (100%) |
| Olive St | 3,620 ft | 0.0% | X (unshaded, minimal) (64%) |
| Adams St | 3,330 ft | 0.0% | X (unshaded, minimal) (58%) |
| N 10th St | 2,990 ft | 0.0% | X (unshaded, minimal) (100%) |
| Dwinnell St | 2,840 ft | 2.6% | X (shaded, 0.2% annual chance) (58%) |
| Woodlawn St | 2,630 ft | 0.0% | X (shaded, 0.2% annual chance) (98%) |
| Sheridan Dr | 2,450 ft | 0.0% | X (unshaded, minimal) (87%) |
| Colby Dr | 2,240 ft | 0.0% | X (unshaded, minimal) (92%) |
| Ivie Lee St | 2,040 ft | 0.0% | X (unshaded, minimal) (100%) |
| E James St | 1,980 ft | 22% | X (shaded, 0.2% annual chance) (62%) |
| Strickland St | 1,890 ft | 0.0% | X (unshaded, minimal) (100%) |
| Chilton Dr | 1,810 ft | 0.0% | X (unshaded, minimal) (81%) |
| Dale St | 1,590 ft | 0.0% | X (unshaded, minimal) (59%) |
| Rosille St | 1,560 ft | 0.0% | X (unshaded, minimal) (100%) |
| Town Cir | 1,400 ft | 0.0% | X (unshaded, minimal) (100%) |
| Richardson St | 1,390 ft | 0.0% | X (unshaded, minimal) (100%) |
| Gillette St | 1,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| Clayton Dr | 1,360 ft | 0.0% | X (unshaded, minimal) (100%) |
| McFarland St | 1,290 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sherwood St | 1,280 ft | 0.0% | X (shaded, 0.2% annual chance) (78%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 31, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Roseland Manor
Share of Roseland Manor’s mapped area (about 3.525 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 15 to 16 feet. Effective date of the FIRM panel(s) covering it (48201C0955M, 48201C0960N): January 6, 2017.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 62% |
| AE | 19% |
| X (shaded, 0.2% annual chance) | 18% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Roseland Manor. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 18 | $37,555 |
| 1980s | 41 | $168,083 |
| 1990s | 6 | $9,651 |
| 2000s | 29 | $1,417,009 |
| 2010s | 38 | $2,311,236 |
| 2020s | 3 | $139,162 |
By year of loss
Named flood events with the most claims
- Hurricane Harvey: 34 claims
- Hurricane Alicia: 20 claims
- Hurricane Ike: 20 claims
- Flooding: 15 claims
- Tropical Storm Claudette: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 101
- A/AE/AH/AO (high risk): 33
- Not reported: 1
How much is flood insurance in Roseland Manor?
The typical National Flood Insurance Program policy on single-family homes in Roseland Manor costs $1,048 a year: the median of 144 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $873 and $1,254. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 31, 2026.
Why home insurance costs what it does in Roseland Manor
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Roseland Manor, within 10 km of it.
- ZIP code 77520: the median National Flood Insurance Program policy cost for single-family homes was $1,079 a year, the middle of 828 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $858 and $1,285. These policies are priced under Risk Rating 2.0.
- ZIP code 77520: NFIP records list 1,937 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Baytown, TX a Risk to Homes national percentile rank of 0.771, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Roseland Manor alone. The summary file is dated April 15, 2026.
The insurance market in Texas
- Texas Windstorm Insurance Association: Total policies in force, as of 6/30/2026: 288,676.
- Texas FAIR Plan Association: As of June 30, 2026: TFPA insures 118,486 properties.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Roseland Manor?
ZIP code 77520: the median National Flood Insurance Program policy cost for single-family homes was $1,079 a year, the middle of 828 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $858 and $1,285. These policies are priced under Risk Rating 2.0. ZIP code 77520: NFIP records list 1,937 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026.
How big are the last-resort insurance plans in Texas?
Texas Windstorm Insurance Association: Total policies in force, as of 6/30/2026: 288,676. Texas FAIR Plan Association: As of June 30, 2026: TFPA insures 118,486 properties.
What should I ask an insurance agent about a home in Roseland Manor?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods; Texas Department of Insurance, Texas Windstorm Insurance Association Overview; Texas FAIR Plan Association Fact Book, Q2 2026.
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Before you rent or buy in Roseland Manor
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Roseland Manor
Flood maps are only one part of choosing a neighborhood. To compare Roseland Manor with other Baytown neighborhoods on more than flooding, see Baytown on StrollPlace.
Buyer and renter FAQ
Does Roseland Manor flood?
Yes. Insured properties in and around Roseland Manor have filed flood claims. About 19% of Roseland Manor’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 135 claims from the Census block groups that cover Roseland Manor, from 1979 through 2024. 92 of them received a payment, totaling $4,082,697 (not adjusted for inflation). The busiest years were 2017 (36 claims), 2008 (22 claims), 1983 (21 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Roseland Manor in a flood zone?
About 19% of Roseland Manor’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 62%; AE 19%; X (shaded, 0.2% annual chance) 18%. The FIRM panel(s) covering it took effect January 6, 2017.
Which streets in Roseland Manor are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of Ward Rd, N Alexander Dr, Narcille St, E Fayle Ave, Danubina St, Olive St, Adams St and N 10th St does. Zones can change along a street, so check the exact address.
What ZIP code is Roseland Manor in?
Roseland Manor is in Baytown, TX. ZIP code 77520: the ZIP code on 135 of the 135 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Roseland Manor?
The typical NFIP flood insurance policy on single-family homes in Roseland Manor cost $1,048 a year: the median of 144 policies that started between August 1, 2025 and July 31, 2026. Half cost between $873 and $1,254. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Pelly
- Chaparral Village
- Does Allenbrook flood?
- Cedar Bayou
- Country Club Estates
- Country Club Cove
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 31, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Harris County (county code 48201), dataset as of September 8, 2026, retrieved October 31, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 482012540002, 482012540001, 482012539003. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 31, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 31, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- Texas Department of Insurance, Texas Windstorm Insurance Association Overview.
- Texas FAIR Plan Association Fact Book, Q2 2026.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 31, 2026 (flood zones). Page last updated October 31, 2026.