Does Four Corners flood?
Four Corners, Brownsville, TX · ZIP code 78521: the ZIP code on 133 of the 139 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Four Corners have filed flood claims. About 28% of Four Corners’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 139 claims from the Census block groups that cover Four Corners, from 1979 through 2025. 103 of them received a payment, totaling $1,047,223 (not adjusted for inflation). The busiest years were 1996 (35 claims), 1984 (30 claims), 2008 (11 claims).
What this page counts as Four Corners
We could not find an openly licensed official boundary for Four Corners, so this page uses a census-based area. For this page, Four Corners 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 Four Corners (feature 1373757) and inside the Brownsville 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 Four Corners. 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 Four Corners
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 Four Corners
The named streets in Four Corners, longest first, with how much of each street’s length inside Four Corners lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Four Corners; 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. 92 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Boca Chica Blvd | 3.4 mi | 0.5% | X (unshaded, minimal) (100%) |
| International Blvd | 2.1 mi | 1.4% | X (unshaded, minimal) (99%) |
| Southmost Rd | 1.7 mi | 0.0% | X (unshaded, minimal) (100%) |
| Creekbend Dr | 1.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| E 14th St | 1.5 mi | 0.0% | X (unshaded, minimal) (100%) |
| E Price Rd | 1.2 mi | 0.0% | X (unshaded, minimal) (95%) |
| Acacia Lake Dr | 1.1 mi | 2.9% | X (unshaded, minimal) (97%) |
| Price Rd | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| Shoreline Dr | 4,430 ft | 0.0% | X (unshaded, minimal) (100%) |
| Robinhood Dr | 4,290 ft | 85% | AH (85%) |
| Land O Lakes Dr | 3,960 ft | 33% | X (unshaded, minimal) (44%) |
| Coolidge St | 3,890 ft | 0.0% | X (unshaded, minimal) (100%) |
| Owens Rd | 3,460 ft | 50% | AH (50%) |
| E 23rd St | 3,370 ft | 25% | X (unshaded, minimal) (68%) |
| Harding St | 3,320 ft | 0.0% | X (unshaded, minimal) (100%) |
| Fruitdale Dr | 3,310 ft | 0.0% | X (unshaded, minimal) (100%) |
| Fruitdale St | 3,310 ft | 0.0% | X (unshaded, minimal) (100%) |
| McKenzie Rd | 3,160 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cowan Ter E | 3,140 ft | 0.0% | X (unshaded, minimal) (100%) |
| Padre Island Blvd | 3,120 ft | 0.0% | X (unshaded, minimal) (100%) |
| E 25th St | 2,840 ft | 31% | X (unshaded, minimal) (62%) |
| Alan A Dale St | 2,830 ft | 51% | AH (51%) |
| Billy Mitchell Blvd | 2,810 ft | 0.0% | X (unshaded, minimal) (100%) |
| Timber Dr | 2,760 ft | 0.0% | X (unshaded, minimal) (100%) |
| Old Port Isabel Rd | 2,650 ft | 0.0% | X (unshaded, minimal) (100%) |
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 Four Corners
Share of Four Corners’s mapped area (about 8.269 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 24 to 26 feet. Effective date of the FIRM panel(s) covering it (48061C0580F, 48061C0590F): February 16, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 69% |
| AH | 23% |
| A | 4.3% |
| X (shaded, 0.2% annual chance) | 3.7% |
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 Four Corners. 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 | 1 | $894 |
| 1980s | 42 | $249,611 |
| 1990s | 49 | $491,621 |
| 2000s | 24 | $97,602 |
| 2010s | 17 | $169,311 |
| 2020s | 6 | $38,185 |
By year of loss
Named flood events with the most claims
- Flooding: 34 claims
- Hurricane Dolly: 10 claims
- Fall severe storms: 5 claims
- Hurricane Allen: 4 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 101
- X/B/C (moderate or minimal): 34
- Not reported: 2
- V/VE (coastal high hazard): 2
How much is flood insurance in Four Corners?
The typical National Flood Insurance Program policy on single-family homes in Four Corners costs $635 a year: the median of 185 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $533 and $779. 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 Four Corners
This section is educational and is not insurance advice.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Brownsville, TX a Risk to Homes national percentile rank of 0.906, which its methods call Very High (above the 90th percentile). That is the city rating, not a rating of Four Corners 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. Cameron 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 Four Corners?
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 Four Corners
- 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 Four Corners
Flood maps are only one part of choosing a neighborhood. To compare Four Corners with other Brownsville neighborhoods on more than flooding, see Brownsville on StrollPlace.
Buyer and renter FAQ
Does Four Corners flood?
Yes. Insured properties in and around Four Corners have filed flood claims. About 28% of Four Corners’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 139 claims from the Census block groups that cover Four Corners, from 1979 through 2025. 103 of them received a payment, totaling $1,047,223 (not adjusted for inflation). The busiest years were 1996 (35 claims), 1984 (30 claims), 2008 (11 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Four Corners in a flood zone?
About 28% of Four Corners’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) 69%; AH 23%; A 4.3%; X (shaded, 0.2% annual chance) 3.7%. The FIRM panel(s) covering it took effect February 16, 2018.
Which streets in Four Corners are in a high-risk flood zone?
Most of the length of Robinhood Dr, Owens Rd and Alan A Dale St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Boca Chica Blvd, International Blvd, Southmost Rd, Creekbend Dr, E 14th St, E Price Rd, Acacia Lake Dr and Price Rd does. Zones can change along a street, so check the exact address.
What ZIP code is Four Corners in?
Four Corners is in Brownsville, TX. ZIP code 78521: the ZIP code on 133 of the 139 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 Four Corners?
The typical NFIP flood insurance policy on single-family homes in Four Corners cost $635 a year: the median of 185 policies that started between August 1, 2025 and July 31, 2026. Half cost between $533 and $779. 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
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 Cameron County (county code 48061), 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: 480610139012, 480610133032, 480610143002, 480610131063, 480610139022, 480610133031, 480610134023, 480610131021. 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.
- 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.
- 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.