FloodFireCheck

Does Glen Cove flood?

Glen Cove, League City, TX · ZIP codes 77565 and 77573: 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 Glen Cove have filed flood claims. About 65% of Glen Cove’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 618 claims from the Census block groups that cover Glen Cove, from 1979 through 2024. 536 of them received a payment, totaling $14,282,380 (not adjusted for inflation). The busiest years were 2008 (201 claims), 1979 (129 claims), 1983 (71 claims).

What this page counts as Glen Cove

We could not find an openly licensed official boundary for Glen Cove, so this page uses a census-based area. For this page, Glen Cove 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 Glen Cove (feature 1336574) and inside the League City 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 Glen Cove. 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.

65%
of the area in FEMA high-risk zones (SFHA)
618
NFIP claims on record, 1979–2024
$14,282,380
paid on 536 claims (nominal dollars)
50
claims with a loss year of 2015 or later

Check a specific address in Glen Cove

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 Glen Cove

The named streets in Glen Cove, longest first, with how much of each street’s length inside Glen Cove lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Glen Cove; 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. 33 shorter streets are not listed.

StreetLengthIn high-risk zonesMain zone
Marina Bay Dr1.8 mi84%AE (84%)
S Shore Blvd1.0 mi1.4%X (shaded, 0.2% annual chance) (94%)
Shore Pointe Dr4,690 ft50%AE (50%)
S Compass Rose Blvd4,250 ft90%AE (90%)
Waterford Way4,140 ft68%AE (68%)
Glen Cove St3,160 ft100%AE (100%)
Seminole Dr2,960 ft100%AE (100%)
Amalfi Dr2,570 ft100%AE (100%)
Harborside Way2,470 ft0.0%X (shaded, 0.2% annual chance) (100%)
Bay Haven Way2,380 ft100%AE (100%)
Lauren Lake Dr1,880 ft0.0%X (shaded, 0.2% annual chance) (100%)
Mariners Dr1,850 ft100%AE (100%)
Seaborough Ln1,570 ft55%AE (55%)
Morning Tide Ln1,540 ft64%AE (64%)
Summer Reef Dr1,490 ft100%AE (100%)
Appia Dr1,460 ft100%AE (100%)
Admiralty Way1,330 ft100%AE (100%)
Cove Park1,210 ft100%AE (100%)
Castle Bay Dr1,200 ft100%AE (100%)
Rimrock Dr1,200 ft100%AE (100%)
Rimrock St1,200 ft100%AE (100%)
Shasta Dr1,190 ft100%AE (100%)
Shasta St1,190 ft100%AE (100%)
Sierra St1,190 ft100%AE (100%)
Sierra Dr1,190 ft100%AE (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 Glen Cove

Share of Glen Cove’s mapped area (about 3.602 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 13 to 17 feet. Effective date of the FIRM panel(s) covering it (48167C0037G, 48167C0041G, 48167C0042G): August 15, 2019.

FEMA zoneShare of area
AE47%
X (shaded, 0.2% annual chance)34%
VE18%
X (unshaded, minimal)0.4%

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 Glen Cove. 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

DecadeClaimsPaid
1970s129$1,112,895
1980s141$1,454,940
1990s50$701,225
2000s247$9,220,187
2010s38$1,373,652
2020s13$419,481

By year of loss

1979129
19806
19816
19821
198371
19841
19851
198955
19931
19942
19954
19978
199834
19991
200119
20022
200312
20051
20065
20071
2008201
20096
20121
20151
201736
20202
20219
20242

Named flood events with the most claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

Why home insurance costs what it does in Glen Cove

This section is educational and is not insurance advice.

Flood insurance

ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Glen Cove, within 10 km of it.

  • ZIP code 77565: the median National Flood Insurance Program policy cost for single-family homes was $1,300 a year, the middle of 1,538 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,083 and $1,835. These policies are priced under Risk Rating 2.0.
  • ZIP code 77565: NFIP records list 3,106 flood claims with a loss year from 1978 through 2024. The claims dataset is as of September 8, 2026.
  • ZIP code 77573: the median National Flood Insurance Program policy cost for single-family homes was $1,074 a year, the middle of 12,527 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $889 and $1,226. These policies are priced under Risk Rating 2.0.
  • ZIP code 77573: NFIP records list 4,382 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 League City, TX a Risk to Homes national percentile rank of 0.790, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Glen Cove 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. Galveston 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 Glen Cove?

ZIP code 77565: the median National Flood Insurance Program policy cost for single-family homes was $1,300 a year, the middle of 1,538 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,083 and $1,835. These policies are priced under Risk Rating 2.0. ZIP code 77565: NFIP records list 3,106 flood claims with a loss year from 1978 through 2024. The claims dataset is as of September 8, 2026. ZIP code 77573: the median National Flood Insurance Program policy cost for single-family homes was $1,074 a year, the middle of 12,527 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $889 and $1,226. These policies are priced under Risk Rating 2.0. ZIP code 77573: NFIP records list 4,382 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 Glen Cove?

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 Glen Cove

Living in Glen Cove

Flood maps are only one part of choosing a neighborhood. To compare Glen Cove with other League City neighborhoods on more than flooding, see League City on StrollPlace.

Buyer and renter FAQ

Does Glen Cove flood?

Yes. Insured properties in and around Glen Cove have filed flood claims. About 65% of Glen Cove’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 618 claims from the Census block groups that cover Glen Cove, from 1979 through 2024. 536 of them received a payment, totaling $14,282,380 (not adjusted for inflation). The busiest years were 2008 (201 claims), 1979 (129 claims), 1983 (71 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.

Is Glen Cove in a flood zone?

About 65% of Glen Cove’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 47%; X (shaded, 0.2% annual chance) 34%; VE 18%; X (unshaded, minimal) 0.4%. The FIRM panel(s) covering it took effect August 15, 2019.

Which streets in Glen Cove are in a high-risk flood zone?

Most of the length of Marina Bay Dr, Shore Pointe Dr, S Compass Rose Blvd, Waterford Way, Glen Cove St, Seminole Dr, Amalfi Dr, Bay Haven Way, Mariners Dr, Seaborough Ln, Morning Tide Ln and Summer Reef Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of S Shore Blvd, Harborside Way and Lauren Lake Dr does. Zones can change along a street, so check the exact address.

What ZIP code is Glen Cove in?

Glen Cove is in League City, TX. ZIP codes 77565 and 77573: 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 Galveston County (county code 48167), 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: 481677214001, 481677215002. 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

  1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 31, 2026.
  2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 31, 2026.
  3. U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
  4. FEMA Glossary: Flood Zones.
  5. FloodSmart (NFIP): Buy a Flood Insurance Policy.
  6. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
  7. 44 CFR 61.11, Effective date and time of coverage.
  8. OpenFEMA Terms and Conditions.
  9. OpenFEMA NFIP Redacted Policies v3.
  10. OpenFEMA NFIP Redacted Claims v3.
  11. USDA Forest Service, Wildfire Risk to Communities, community summaries.
  12. Wildfire Risk to Communities methods.
  13. Texas Department of Insurance, Texas homeowners insurance market overview.
  14. Texas Department of Insurance, Texas Windstorm Insurance Association Overview.
  15. Texas FAIR Plan Association Fact Book, Q2 2026.
  16. 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.