Does Peary Place flood?
Peary Place, Corpus Christi, TX · ZIP code 78412: the ZIP code on 17 of the 17 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Peary Place have filed flood claims. About 34% of Peary Place’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 17 claims from the Census block groups that cover Peary Place, from 1979 through 2026. 13 of them received a payment, totaling $284,971 (not adjusted for inflation). The busiest years were 2016 (7 claims), 2017 (3 claims), 1980 (2 claims).
What this page counts as Peary Place
We could not find an openly licensed official boundary for Peary Place, so this page uses a census-based area. For this page, Peary Place 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 Peary Place (feature 1343738) and inside the Corpus Christi 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 Peary Place. 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 Peary Place
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 Peary Place
The named streets in Peary Place, longest first, with how much of each street’s length inside Peary Place lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Peary Place; 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.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Hwy 358 | 2.9 mi | 3.3% | X (unshaded, minimal) (96%) |
| Holly Rd | 1.7 mi | 12% | X (shaded, 0.2% annual chance) (60%) |
| S Padre Island Dr | 1.1 mi | 3.3% | X (unshaded, minimal) (96%) |
| Paul Jones Ave | 4,300 ft | 7.3% | X (unshaded, minimal) (81%) |
| Ennis Joslin Rd | 4,220 ft | 4.2% | X (unshaded, minimal) (73%) |
| Lexington Rd | 3,910 ft | 1.6% | X (unshaded, minimal) (98%) |
| Wallace Ave | 3,780 ft | 0.0% | X (unshaded, minimal) (100%) |
| Wallace Dr | 3,780 ft | 0.0% | X (unshaded, minimal) (100%) |
| Merriman Ave | 2,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Gaslight St | 1,780 ft | 0.0% | X (unshaded, minimal) (100%) |
| Vetters Dr | 1,760 ft | 0.0% | X (unshaded, minimal) (100%) |
| Moffet Dr | 1,260 ft | 0.0% | X (unshaded, minimal) (100%) |
| Williams Dr | 1,150 ft | 0.0% | X (unshaded, minimal) (100%) |
| Argonne Dr | 950 ft | 0.0% | X (unshaded, minimal) (100%) |
| Barnhart Dr | 670 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sims Dr | 660 ft | 0.0% | X (unshaded, minimal) (100%) |
| Decatur Dr | 660 ft | 0.0% | X (unshaded, minimal) (100%) |
| Brittany Dr | 660 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 November 2, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Peary Place
Share of Peary Place’s mapped area (about 3.373 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 9 to 12 feet. Effective date of the FIRM panel(s) covering it (48355C0530G, 48355C0540G): October 13, 2022.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 56% |
| VE | 27% |
| X (shaded, 0.2% annual chance) | 10% |
| AE | 7.0% |
| A | 0.0% |
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 Peary Place. 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 | $442 |
| 1980s | 3 | $5,718 |
| 2010s | 11 | $276,406 |
| 2020s | 2 | $2,405 |
By year of loss
Named flood events with the most claims
- Hurricane Harvey: 3 claims
- Hurricane Allen: 2 claims
- Flooding: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 11
- A/AE/AH/AO (high risk): 6
How much is flood insurance in Peary Place?
The typical National Flood Insurance Program policy on single-family homes in Peary Place costs $614 a year: the median of 102 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $568 and $648. 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 Peary Place
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 Peary Place, within 10 km of it.
- ZIP code 78412: the median National Flood Insurance Program policy cost for single-family homes was $926 a year, the middle of 986 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $640 and $1,206. These policies are priced under Risk Rating 2.0.
- ZIP code 78412: NFIP records list 810 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 Corpus Christi, TX a Risk to Homes national percentile rank of 0.831, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Peary Place 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. Nueces 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.
What do NFIP records show for flood insurance in Peary Place?
ZIP code 78412: the median National Flood Insurance Program policy cost for single-family homes was $926 a year, the middle of 986 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $640 and $1,206. These policies are priced under Risk Rating 2.0. ZIP code 78412: NFIP records list 810 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 Peary Place?
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 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 Peary Place
- 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 Peary Place
Flood maps are only one part of choosing a neighborhood. To compare Peary Place with other Corpus Christi neighborhoods on more than flooding, see Corpus Christi on StrollPlace.
Buyer and renter FAQ
Does Peary Place flood?
Yes. Insured properties in and around Peary Place have filed flood claims. About 34% of Peary Place’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 17 claims from the Census block groups that cover Peary Place, from 1979 through 2026. 13 of them received a payment, totaling $284,971 (not adjusted for inflation). The busiest years were 2016 (7 claims), 2017 (3 claims), 1980 (2 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Peary Place in a flood zone?
About 34% of Peary Place’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) 56%; VE 27%; X (shaded, 0.2% annual chance) 10%; AE 7.0%; A 0.0%. The FIRM panel(s) covering it took effect October 13, 2022.
Which streets in Peary Place 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 State Hwy 358, S Padre Island Dr, Paul Jones Ave, Ennis Joslin Rd, Lexington Rd, Wallace Ave, Wallace Dr and Merriman Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Peary Place in?
Peary Place is in Corpus Christi, TX. ZIP code 78412: the ZIP code on 17 of the 17 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 Peary Place?
The typical NFIP flood insurance policy on single-family homes in Peary Place cost $614 a year: the median of 102 policies that started between September 1, 2025 and August 31, 2026. Half cost between $568 and $648. 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
- Flour Bluff
- Does Gardendale flood?
- Does McNorton flood?
- Does Arlington Heights flood?
- Does Annaville flood?
- Does Calallen 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 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 November 2, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Nueces County (county code 48355), 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: 483550032022. 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.
- 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 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 November 2, 2026 (flood zones). Page last updated November 2, 2026.