Does Zummo flood?
Zummo, Beaumont, TX · ZIP code 77705: the ZIP code on 120 of the 122 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Zummo have filed flood claims. FEMA has not published digital flood map data for Zummo: its National Flood Hazard Layer, the map data this site uses, has no coverage here, so this page cannot say how much of Zummo is in a high-risk flood zone. NFIP flood insurance records list 122 claims from the Census block groups that cover Zummo, from 1980 through 2021. 95 of them received a payment, totaling $2,347,680 (not adjusted for inflation). The busiest years were 1980 (35 claims), 2005 (16 claims), 1989 (15 claims).
What this page counts as Zummo
We could not find an openly licensed official boundary for Zummo, so this page uses a census-based area. For this page, Zummo 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 Zummo (feature 1379305) and inside the Beaumont 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 Zummo. 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 Zummo
Our address check reads the same digital FEMA maps, so it cannot give a flood zone for addresses in Zummo. FEMA’s Flood Map Service Center may still hold scanned paper flood maps (FIRMs) for the area, and the city or county floodplain administrator can tell you the flood zone of a specific address. A lender’s flood zone determination also gives it.
Flood zones in Zummo
FEMA has not published digital flood map data for Zummo: its National Flood Hazard Layer, the map data this site uses, has no coverage here, so this page cannot say how much of Zummo is in a high-risk flood zone. FEMA’s Flood Map Service Center may still hold scanned paper flood maps (FIRMs) for the area, and the city or county floodplain administrator can tell you the flood zone of a specific address. A lender’s flood zone determination also gives it. Source: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels (NFHL Availability layer), checked November 2, 2026.
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 Zummo. 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 |
|---|---|---|
| 1980s | 53 | $311,876 |
| 1990s | 6 | $86,999 |
| 2000s | 34 | $840,085 |
| 2010s | 28 | $1,103,456 |
| 2020s | 1 | $5,265 |
By year of loss
Named flood events with the most claims
- Flooding: 30 claims
- Hurricane Rita: 16 claims
- Tropical Storm Imelda: 14 claims
- Tropical Storm Allison: 14 claims
- Hurricane Harvey: 13 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 120
- V/VE (coastal high hazard): 1
- A/AE/AH/AO (high risk): 1
How much is flood insurance in Zummo?
The typical National Flood Insurance Program policy on single-family homes in Zummo costs $1,118 a year: the median of 39 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $995 and $1,265. 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 November 2, 2026.
Why home insurance costs what it does in Zummo
This section is educational and is not insurance advice.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Beaumont, TX a Risk to Homes national percentile rank of 0.825, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Zummo alone. The summary file is dated April 15, 2026.
- Texas Windstorm Insurance Association (TWIA) policies provide wind coverage for property located in 14 coastal counties and parts of Harris County east of Highway 146. Jefferson is named in the county list: The counties are Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy.
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.
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 Zummo?
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: USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods; Texas Department of Insurance, Texas homeowners insurance market overview; 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 Zummo
- 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 Zummo
Flood maps are only one part of choosing a neighborhood. To compare Zummo with other Beaumont neighborhoods on more than flooding, see Beaumont on StrollPlace.
Buyer and renter FAQ
Does Zummo flood?
Yes. Insured properties in and around Zummo have filed flood claims. FEMA has not published digital flood map data for Zummo: its National Flood Hazard Layer, the map data this site uses, has no coverage here, so this page cannot say how much of Zummo is in a high-risk flood zone. NFIP flood insurance records list 122 claims from the Census block groups that cover Zummo, from 1980 through 2021. 95 of them received a payment, totaling $2,347,680 (not adjusted for inflation). The busiest years were 1980 (35 claims), 2005 (16 claims), 1989 (15 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Zummo in a flood zone?
FEMA has not published digital flood map data for Zummo: its National Flood Hazard Layer, the map data this site uses, has no coverage here, so this page cannot say how much of Zummo is in a high-risk flood zone. FEMA’s Flood Map Service Center may still hold scanned paper flood maps (FIRMs) for the area, and the city or county floodplain administrator can tell you the flood zone of a specific address. A lender’s flood zone determination also gives it.
What ZIP code is Zummo in?
Zummo is in Beaumont, TX. ZIP code 77705: the ZIP code on 120 of the 122 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 Zummo?
The typical NFIP flood insurance policy on single-family homes in Zummo cost $1,118 a year: the median of 39 policies that started between September 1, 2025 and August 31, 2026. Half cost between $995 and $1,265. 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
- Higgins
- Does West Oakland flood?
- Does Walden flood?
- Does Sunnyside flood?
- Does Calder Highlands flood?
- Does Caldwood flood?
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 zones: FEMA’s National Flood Hazard Layer has no digital flood map data for this area (its NFHL Availability layer has no coverage at the area’s center or corners; FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, checked November 2, 2026), so no zone shares are given. Claims: OpenFEMA NFIP Redacted Claims v3 records for Jefferson County (county code 48245), dataset as of September 8, 2026, retrieved November 2, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 482450026001, 482450026003, 482450026005, 482450026002. 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 November 2, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 2, 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.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- Texas Department of Insurance, Texas homeowners insurance market overview.
- Texas Department of Insurance, Texas Windstorm Insurance Association Overview.
- Texas FAIR Plan Association Fact Book, Q2 2026.
Data as of September 8, 2026 (FEMA claims) and November 2, 2026 (flood zones). Page last updated November 2, 2026.