Does Fort McIntosh flood?
Fort McIntosh, Laredo, TX · ZIP codes 78040 and 78044: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Fort McIntosh have filed flood claims. About 24% of Fort McIntosh’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 20 claims from the Census block groups that cover Fort McIntosh, from 1979 through 2017. 10 of them received a payment, totaling $2,733,288 (not adjusted for inflation). The busiest years were 2010 (8 claims), 1998 (5 claims), 2017 (3 claims).
What this page counts as Fort McIntosh
We could not find an openly licensed official boundary for Fort McIntosh, so this page uses a census-based area. For this page, Fort McIntosh 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 Fort McIntosh (feature 1378313) and inside the Laredo 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 Fort McIntosh. 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 Fort McIntosh
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 Fort McIntosh
The named streets in Fort McIntosh, longest first, with how much of each street’s length inside Fort McIntosh lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Fort McIntosh; 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. 36 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Santa Cleotilde Ave | 1.3 mi | 4.7% | X (unshaded, minimal) (90%) |
| Main Ave | 1.3 mi | 4.1% | X (unshaded, minimal) (95%) |
| Zaragoza St | 1.3 mi | 2.7% | X (unshaded, minimal) (91%) |
| Santa Isabel Ave | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Davis Ave | 1.2 mi | 1.7% | X (unshaded, minimal) (96%) |
| Santa Rita Ave | 1.2 mi | 0.0% | X (unshaded, minimal) (96%) |
| Vidaurri Ave | 1.2 mi | 0.0% | X (unshaded, minimal) (100%) |
| Water St | 1.1 mi | 58% | AE (58%) |
| Ventura St | 1.1 mi | 71% | AE (71%) |
| Victoria St | 1.1 mi | 0.0% | X (unshaded, minimal) (100%) |
| Washington St | 5,220 ft | 0.0% | X (unshaded, minimal) (100%) |
| Grant St | 4,870 ft | 0.0% | X (unshaded, minimal) (100%) |
| Houston St | 4,710 ft | 0.0% | X (unshaded, minimal) (100%) |
| Santa Maria Ave | 4,670 ft | 15% | X (unshaded, minimal) (83%) |
| Farragut St | 4,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| Matamoros St | 4,630 ft | 0.0% | X (unshaded, minimal) (100%) |
| Hidalgo St | 4,550 ft | 0.0% | X (unshaded, minimal) (100%) |
| Iturbide St | 4,450 ft | 0.0% | X (unshaded, minimal) (100%) |
| Sanchez St | 4,400 ft | 4.5% | X (unshaded, minimal) (95%) |
| San Ignacio Ave | 4,330 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lincoln St | 4,290 ft | 0.0% | X (unshaded, minimal) (100%) |
| Park St | 3,980 ft | 0.0% | X (unshaded, minimal) (100%) |
| Convent Ave | 3,710 ft | 22% | X (unshaded, minimal) (74%) |
| Juarez Ave | 3,610 ft | 18% | X (unshaded, minimal) (79%) |
| Pinder Ave | 3,400 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 Fort McIntosh
Share of Fort McIntosh’s mapped area (about 4.541 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Effective date of the FIRM panel(s) covering it (48479C1195C, 48479C1360C): April 2, 2008.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 72% |
| AE | 24% |
| X (shaded, 0.2% annual chance) | 3.5% |
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 Fort McIntosh. 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 | $0 |
| 1980s | 2 | $0 |
| 1990s | 6 | $38,365 |
| 2010s | 11 | $2,694,923 |
By year of loss
Named flood events with the most claims
- Hurricane Allen: 1 claims
- Flooding: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 13
- X/B/C (moderate or minimal): 6
- Not reported: 1
Why home insurance costs what it does in Fort McIntosh
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 Fort McIntosh, within 10 km of it.
- ZIP code 78040: the median National Flood Insurance Program policy cost for single-family homes was $659 a year, the middle of 20 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $505 and $880. These policies are priced under Risk Rating 2.0.
- ZIP code 78040: NFIP records list 25 flood claims with a loss year from 1979 through 2017. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Laredo, TX a Risk to Homes national percentile rank of 0.716, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Fort McIntosh alone. The summary file is dated April 15, 2026.
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 Fort McIntosh?
ZIP code 78040: the median National Flood Insurance Program policy cost for single-family homes was $659 a year, the middle of 20 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $505 and $880. These policies are priced under Risk Rating 2.0. ZIP code 78040: NFIP records list 25 flood claims with a loss year from 1979 through 2017. 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 Fort McIntosh?
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 Windstorm Insurance Association Overview; Texas FAIR Plan Association Fact Book, Q2 2026.
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Before you rent or buy in Fort McIntosh
- 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 Fort McIntosh
Flood maps are only one part of choosing a neighborhood. To compare Fort McIntosh with other Laredo neighborhoods on more than flooding, see Laredo on StrollPlace.
Buyer and renter FAQ
Does Fort McIntosh flood?
Yes. Insured properties in and around Fort McIntosh have filed flood claims. About 24% of Fort McIntosh’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 20 claims from the Census block groups that cover Fort McIntosh, from 1979 through 2017. 10 of them received a payment, totaling $2,733,288 (not adjusted for inflation). The busiest years were 2010 (8 claims), 1998 (5 claims), 2017 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Fort McIntosh in a flood zone?
About 24% of Fort McIntosh’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) 72%; AE 24%; X (shaded, 0.2% annual chance) 3.5%. The FIRM panel(s) covering it took effect April 2, 2008.
Which streets in Fort McIntosh are in a high-risk flood zone?
Most of the length of Water St and Ventura St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Santa Cleotilde Ave, Main Ave, Zaragoza St, Santa Isabel Ave, Davis Ave, Santa Rita Ave, Vidaurri Ave and Victoria St does. Zones can change along a street, so check the exact address.
What ZIP code is Fort McIntosh in?
Fort McIntosh is in Laredo, TX. ZIP codes 78040 and 78044: the ZIP codes on most of the 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.
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 Webb County (county code 48479), 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: 484790019001, 484790006012, 484790019003, 484790019002, 484790006022, 484790006013. 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.
- 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 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.