Does it flood? Houston neighborhoods
Neighborhood-by-neighborhood flood facts for Houston: how much of each area FEMA maps in high-risk flood zones, and how many National Flood Insurance Program claims are on record in Harris County’s FEMA data. Where no openly licensed official neighborhood boundary exists, an area is built from whole 2010 Census block groups, and each page states exactly how. Sorted by claims on record. New neighborhoods are added regularly.
| Neighborhood | Area in FEMA high-risk zones | NFIP claims on record | Paid (nominal) |
|---|---|---|---|
| Meyerland | 78% | 6,762 | $742,764,815 |
| Bellaire | 65% | 3,766 | $301,068,396 |
| Clear Lake | 27% | 3,534 | $85,998,172 |
| Kingwood | 38% | 2,635 | $141,094,536 |
| Sharpstown | 29% | 1,963 | $114,638,133 |
| Westbury | 14% | 1,659 | $80,604,071 |
| Braeswood | 22% | 1,582 | $110,783,514 |
| Oak Forest | 23% | 1,281 | $61,200,015 |
| West University Place | 14% | 1,212 | $48,348,106 |
| Garden Oaks | 7.8% | 1,068 | $27,873,168 |
| Alief | 52% | 1,015 | $10,642,841 |
| Riverside Terrace | 8.5% | 808 | $19,357,606 |
| Houston Heights | 18% | 804 | $27,907,261 |
| Woodland Heights | 15% | 664 | $23,354,801 |
| Sunnyside | 2.2% | 398 | $4,488,222 |
| Magnolia Park | 18% | 311 | $12,521,826 |
| Harrisburg | 12% | 253 | $6,220,956 |
| Eastwood | 4.8% | 212 | $3,773,520 |
Are insurers dropping homes in Houston?
Homeowner-type policies that Texas insurers did not renew, or cancelled for a reason on their side, in April–July 2026, for the ZIP codes on our Houston neighborhood pages. Across Texas the rate was 14.2 per 1,000 policies in force; 28 of these 37 ZIP codes are more than 10% above it. Cancellations for nonpayment or at the policyholder’s own request are not counted, and the counts are a floor (each neighborhood page explains why).
Source: Texas Department of Insurance, HB 2067 residential property data: actual number of declinations, cancellations and nonrenewals (data.texas.gov); Texas Department of Insurance, HB 2067 residential property data: reasons for declinations, cancellations and nonrenewals (data.texas.gov); Texas Department of Insurance, HB 2067 residential property data: policy counts (data.texas.gov). The Texas Department of Insurance does not endorse this site.
Claim counts depend on how many insured buildings a neighborhood has, so a dense area can show more claims than a sparser one. Past claims do not predict future flooding. Check the exact address on the FEMA Flood Map Service Center.
Exploring Houston more broadly? See Houston neighborhoods on StrollPlace.
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