Does Clear Lake flood?
Yes. Insured properties in and around Clear Lake have filed flood claims. About 27% of Clear Lake’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 3,534 claims from the Census block groups that cover Clear Lake, from 1978 through 2024. 2,486 of them received a payment, totaling $85,998,172 (not adjusted for inflation). The busiest years were 1979 (731 claims), 2008 (551 claims), 2017 (536 claims).
What this page counts as Clear Lake
We could not find an openly licensed official boundary for Clear Lake, so this page uses a census-based area. For this page, Clear Lake means the 2010 Census block groups whose center lies within 4.0 km (2.5 miles) of the U.S. Geological Survey (GNIS) map point for Clear Lake City (feature 1377174), 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 Clear Lake. 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.
Flood zones in Clear Lake
Share of Clear Lake’s mapped area (about 49.457 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 12 to 19 feet. Effective date of the FIRM panel(s) covering it (48071C0500E, 48167C0010G, 48167C0017G, 48167C0019G, 48167C0036G, 48167C0037G, 48167C0038G, 48167C0039G, 48167C0050G, 48201C1060M, 48201C1070M, 48201C1080M, 48201C1090M): May 4, 2015, January 6, 2017, August 15, 2019.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 47% |
| X (shaded, 0.2% annual chance) | 26% |
| AE | 23% |
| VE | 4.1% |
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 Clear Lake. 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 | 732 | $6,472,784 |
| 1980s | 749 | $6,936,680 |
| 1990s | 311 | $2,799,367 |
| 2000s | 1,048 | $35,446,960 |
| 2010s | 685 | $34,306,802 |
| 2020s | 9 | $35,580 |
By year of loss
Named flood events with the most claims
- Tropical Storm Claudette: 550 claims
- Hurricane Ike: 548 claims
- Hurricane Harvey: 523 claims
- Flooding: 407 claims
- Tropical Storm Allison: 379 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 2,268
- A/AE/AH/AO (high risk): 1,236
- V/VE (coastal high hazard): 17
- Not reported: 7
- Other (D): 6
Hurricane storm surge in Clear Lake
Storm surge is seawater pushed onto land by a hurricane’s winds. NOAA’s National Hurricane Center (NHC) maps a near worst-case surge for each hurricane category, arriving at high tide, from thousands of simulated storms (NOAA National Hurricane Center, National Storm Surge Risk Maps, Version 4 (Texas to Maine, high tide scenario, GeoTIFF dated June 17, 2026)).
In those maps, about 5.7% of Clear Lake’s mapped area has surge flooding above ground in a Category 1 hurricane, 58.6% in a Category 3 and 92.2% in a Category 5.
| Hurricane | Area with any surge flooding | More than 3 ft | More than 6 ft | More than 9 ft | Deepest band mapped |
|---|---|---|---|---|---|
| Category 1 | 5.7% | 3.4% | 1.6% | 0.1% | 10–11 ft |
| Category 2 | 19.9% | 9.1% | 4.5% | 2.5% | 14–15 ft |
| Category 3 | 58.6% | 42.3% | 23.7% | 11.8% | more than 20 ft |
| Category 4 | 87.2% | 81.7% | 72.3% | 56.2% | more than 20 ft |
| Category 5 | 92.2% | 91.7% | 87.2% | 82.1% | more than 20 ft |
FEMA’s National Risk Index, which compares every U.S. census tract, rates hurricane risk (wind, surge and expected losses together) for the tracts that cover Clear Lake as: “Relatively Moderate” for 59%; “Relatively High” for 41% of the area. Their hurricane risk scores range from 82 to 94 out of 100; a score is a national percentile, so 94 means higher hurricane risk than about 94% of U.S. census tracts (FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025)).
NHC: “The data, maps, and information provided should only be used as a tool for general education/awareness of the storm surge hazard at a city/community level (not for a parcel level/grid cell assessment).” The maps do not account for erosion, subsidence, sea-level change or future construction, and NHC says they “should not be used to replace the maps used for hurricane evacuation zones.” Find out whether your address is in an evacuation zone (below) and follow official orders.
Hurricane evacuation zone
We do not show evacuation zones for Houston yet. Check the official source: Houston-Galveston Area Council: Hurricane Evacuation Zip-Zone maps.
Extreme heat in Clear Lake
FEMA’s National Risk Index rates heat wave risk for the census tracts that cover Clear Lake as: “Relatively Moderate” for 81%; “Relatively Low” for 19% of the area. Their heat wave risk scores range from 38 to 82 out of 100 (national percentiles). The index weighs how often heat waves happen, what they are expected to cost, and how vulnerable and resilient the community is, so a dense area can rate differently from a nearby one (FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025)).
Trees shade streets and buildings and cool the air around them (U.S. EPA: Using Trees and Vegetation to Reduce Heat Islands). In the USDA Forest Service’s 2025 satellite-based tree canopy map, trees cover about 13% of Clear Lake’s area on average, compared with 14% for Houston as a whole (the 18 Houston areas on this site combined) (USDA Forest Service. 2026. USFS NLCD Percent Tree Canopy CONUS v2025-6 (2025 map). Salt Lake City, UT).
During a heat advisory, follow the National Weather Service: Heat Safety guidance. Neighborhood averages cannot tell you how hot a particular home, block or unit gets.
This product uses the Federal Emergency Management Agency’s National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). FEMA: “The National Risk Index data are meant for planning purposes only. This National Risk Index dataset was created for broad nationwide comparisons and is not a substitute for localized risk assessment analysis.”
Before you rent or buy in Clear Lake
- 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 Clear Lake
Flood maps are only one part of choosing a neighborhood. To compare Clear Lake with other Houston neighborhoods on more than flooding, see Houston on StrollPlace.
Buyer and renter FAQ
Does Clear Lake flood?
Yes. Insured properties in and around Clear Lake have filed flood claims. About 27% of Clear Lake’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 3,534 claims from the Census block groups that cover Clear Lake, from 1978 through 2024. 2,486 of them received a payment, totaling $85,998,172 (not adjusted for inflation). The busiest years were 1979 (731 claims), 2008 (551 claims), 2017 (536 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Clear Lake in a flood zone?
About 27% of Clear Lake’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) 47%; X (shaded, 0.2% annual chance) 26%; AE 23%; VE 4.1%. The FIRM panel(s) covering it took effect May 4, 2015, January 6, 2017, August 15, 2019.
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.
Does storm surge reach Clear Lake?
In NOAA’s National Hurricane Center near worst-case maps, about 5.7% of Clear Lake’s mapped area floods from storm surge in a Category 1 hurricane, 58.6% in a Category 3 and 92.2% in a Category 5. These maps are for awareness at a community level, not for a single building.
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
- Harrisburg
- Magnolia Park
- Sunnyside
- Eastwood
- Riverside Terrace
- Does Braeswood 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 October 21, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Harris County (county code 48201), dataset as of September 8, 2026, retrieved October 21, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 482013413011, 482013413021, 482013413022, 482013412022, 482013413012, 482013413013, 482013412011, 482013412024, 482013412021, 482013411001, 482013412023, 482013408002, 482013407004, 482013407002, 482013406002, 482013406001, 482013405005, 482013405004, 482013405003, 482013405002, 482013405001, 482013407003, 482013409001, 482013407001, 482013404001, 482013403021, 482013412012, 482013410004, 482013410002, 482013411002, 482013403012, 482013410001, 482013410003. 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. Storm surge: the area polygon overlaid on NHC’s Category 1–5 high-tide inundation GeoTIFFs (about 10 m cells in 1-ft depth classes); each share is the fraction of cells whose center lies inside the polygon and that NHC maps with water above ground, counting cells NHC leaves blank as not flooded. Tree canopy: the mean of the 2025 NLCD Tree Canopy Cover values (0–100%, 30 m cells in an equal-area projection) for cells whose center lies inside the polygon. FEMA National Risk Index: census tracts intersected with the polygon in an equal-area projection; each rating’s share is the share of the polygon covered by tracts with that rating (tracts covering less than 1% are left out; together the tracts used cover 100%). We do not compute a new score. Tracts used: 48201341304 (22%), 48201341201 (17%), 48201341204 (7.5%), 48201341101 (5.2%), 48201340501 (4.2%), 48201341102 (4.2%), 48201340301 (4.1%), 48201341302 (4.1%), 48201340701 (3.9%), 48201341002 (3.6%), 48201340302 (3.3%), 48201340600 (3.3%), 48201340400 (3.2%), 48201341203 (2.8%), 48201340702 (2.6%), 48201341001 (2.5%), 48201341303 (2.4%), 48201340502 (1.6%), 48201340800 (1.4%), 48201340900 (1.1%). See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 21, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 21, 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.
- NOAA National Hurricane Center, National Storm Surge Risk Maps, Version 4 (Texas to Maine, high tide scenario, GeoTIFF dated June 17, 2026) (computed October 21, 2026).
- Zachry, B. C., W. J. Booth, J. R. Rhome, and T. M. Sharon, 2015: A National View of Storm Surge Risk and Inundation. Weather, Climate, and Society, 7(2), 109–117 (NHC’s preferred citation).
- Houston-Galveston Area Council: Hurricane Evacuation Zip-Zone maps.
- USDA Forest Service. 2026. USFS NLCD Percent Tree Canopy CONUS v2025-6 (2025 map). Salt Lake City, UT (30 m cells; read October 21, 2026).
- National Weather Service: Heat Safety.
- U.S. EPA: Using Trees and Vegetation to Reduce Heat Islands.
- FEMA National Risk Index, Census Tracts feature layer, Version 1.20.0 (December 2025) (retrieved October 21, 2026).
Data as of September 8, 2026 (FEMA claims) and October 21, 2026 (flood zones); hurricane, evacuation and heat data computed October 21, 2026. Page last updated October 21, 2026.