Does Lakeside flood?
Lakeside, 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 Lakeside have filed flood claims. About 78% of Lakeside’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 309 claims from the Census block groups that cover Lakeside, from 1979 through 2024. 215 of them received a payment, totaling $3,798,016 (not adjusted for inflation). The busiest years were 2008 (152 claims), 2001 (25 claims), 2017 (24 claims).
What this page counts as Lakeside
We could not find an openly licensed official boundary for Lakeside, so this page uses a census-based area. For this page, Lakeside 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 Lakeside (feature 1339537) 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 Lakeside. 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 Lakeside
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 Lakeside
The named streets in Lakeside, longest first, with how much of each street’s length inside Lakeside lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Lakeside; 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. 27 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Marina Bay Dr | 1.4 mi | 5.2% | X (shaded, 0.2% annual chance) (90%) |
| Twin Oaks Blvd | 1.2 mi | 100% | AE (100%) |
| Enterprise Ave | 1.1 mi | 31% | X (shaded, 0.2% annual chance) (69%) |
| Davis Rd | 1.0 mi | 83% | AE (83%) |
| Lakeside Dr | 3,990 ft | 100% | AE (100%) |
| Lighthouse Blvd | 3,630 ft | 64% | AE (64%) |
| S Shore Blvd | 3,310 ft | 2.4% | X (unshaded, minimal) (60%) |
| Beacon Cir | 2,900 ft | 64% | AE (64%) |
| Constellation Blvd | 2,560 ft | 70% | AE (70%) |
| Twin Timbers Ln | 2,190 ft | 100% | AE (100%) |
| Marina Way | 2,150 ft | 100% | AE (100%) |
| Pegasus Ln | 2,050 ft | 100% | AE (100%) |
| West Dr | 1,880 ft | 100% | AE (100%) |
| Calypso Ln | 1,860 ft | 52% | AE (52%) |
| Signature Point Dr | 1,700 ft | 19% | X (shaded, 0.2% annual chance) (81%) |
| E Red Adair Blvd | 1,650 ft | 80% | AE (80%) |
| Blue Water Way | 1,590 ft | 100% | AE (100%) |
| Holly Branch Ln | 1,450 ft | 100% | AE (100%) |
| Oak Rd | 1,320 ft | 100% | AE (100%) |
| Autumn Mist Ln | 1,240 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Golden Shores Ln | 1,230 ft | 35% | X (shaded, 0.2% annual chance) (65%) |
| Invincible Dr | 1,230 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Red Adair Blvd | 1,230 ft | 100% | AE (100%) |
| Spoonbill Dr | 1,210 ft | 15% | X (shaded, 0.2% annual chance) (85%) |
| Sabal Park Ln | 1,160 ft | 0.0% | X (shaded, 0.2% annual chance) (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 Lakeside
Share of Lakeside’s mapped area (about 4.932 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 19 feet. Effective date of the FIRM panel(s) covering it (48167C0037G, 48167C0039G, 48167C0041G): August 15, 2019.
| FEMA zone | Share of area |
|---|---|
| AE | 44% |
| VE | 33% |
| X (shaded, 0.2% annual chance) | 17% |
| X (unshaded, minimal) | 4.0% |
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 Lakeside. 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 | 20 | $132,176 |
| 1980s | 33 | $227,275 |
| 1990s | 34 | $184,307 |
| 2000s | 189 | $2,892,917 |
| 2010s | 32 | $361,341 |
| 2020s | 1 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Ike: 151 claims
- Flooding: 30 claims
- Tropical Storm Allison: 28 claims
- Hurricane Harvey: 23 claims
- Tropical Storm Claudette: 15 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 243
- X/B/C (moderate or minimal): 64
- V/VE (coastal high hazard): 2
Why home insurance costs what it does in Lakeside
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 Lakeside, 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 Lakeside 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 Lakeside?
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 Lakeside?
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.
Insurance agency or real estate agent? Sponsor this page.
Before you rent or buy in Lakeside
- 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 Lakeside
Flood maps are only one part of choosing a neighborhood. To compare Lakeside with other League City neighborhoods on more than flooding, see League City on StrollPlace.
Buyer and renter FAQ
Does Lakeside flood?
Yes. Insured properties in and around Lakeside have filed flood claims. About 78% of Lakeside’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 309 claims from the Census block groups that cover Lakeside, from 1979 through 2024. 215 of them received a payment, totaling $3,798,016 (not adjusted for inflation). The busiest years were 2008 (152 claims), 2001 (25 claims), 2017 (24 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Lakeside in a flood zone?
About 78% of Lakeside’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 44%; VE 33%; X (shaded, 0.2% annual chance) 17%; X (unshaded, minimal) 4.0%. The FIRM panel(s) covering it took effect August 15, 2019.
Which streets in Lakeside are in a high-risk flood zone?
Most of the length of Twin Oaks Blvd, Davis Rd, Lakeside Dr, Lighthouse Blvd, Beacon Cir, Constellation Blvd, Twin Timbers Ln, Marina Way, Pegasus Ln, West Dr, Calypso Ln and E Red Adair Blvd lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Marina Bay Dr, S Shore Blvd, Autumn Mist Ln, Invincible Dr and Sabal Park Ln does. Zones can change along a street, so check the exact address.
What ZIP code is Lakeside in?
Lakeside 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
- Does Glen Cove flood?
- Meadow Bend
- South Shore Village
- Oaks of Clear Creek
- Does Bay Ridge flood?
- Brittany Bay
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: 481677215003, 481677215001. 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 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 October 31, 2026 (flood zones). Page last updated October 31, 2026.