Does University Park flood?
University Park, Pasadena, TX · ZIP codes 77059 and 77058: 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 University Park have filed flood claims. About 42% of University Park’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 30 claims from the Census block groups that cover University Park, from 2001 through 2024. 14 of them received a payment, totaling $359,131 (not adjusted for inflation). The busiest years were 2008 (10 claims), 2017 (7 claims), 2001 (3 claims).
What this page counts as University Park
We could not find an openly licensed official boundary for University Park, so this page uses a census-based area. For this page, University Park 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 University Park (feature 2472711) and inside the Pasadena 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 University Park. 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 University Park
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 University Park
The named streets in University Park, longest first, with how much of each street’s length inside University Park lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside University Park; 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. 4 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Bay Area Blvd | 2.4 mi | 14% | X (shaded, 0.2% annual chance) (64%) |
| Middlebrook Dr | 1.8 mi | 37% | X (unshaded, minimal) (38%) |
| Park Shadows Trl | 3,440 ft | 84% | AE (84%) |
| Roaring Rapids Dr | 2,520 ft | 44% | X (shaded, 0.2% annual chance) (51%) |
| Raven River Dr | 2,480 ft | 15% | X (shaded, 0.2% annual chance) (49%) |
| Mighty Redwood Dr | 2,130 ft | 58% | AE (58%) |
| Rutgers Park Ct | 1,920 ft | 49% | X (shaded, 0.2% annual chance) (51%) |
| Orchard Mountain Dr | 1,910 ft | 100% | AE (100%) |
| Ridgewood Canyon Dr | 1,690 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| University Park Dr | 1,560 ft | 54% | AE (54%) |
| Village Corner Dr | 1,520 ft | 39% | X (shaded, 0.2% annual chance) (60%) |
| Glenshannon Dr | 1,420 ft | 0.0% | X (unshaded, minimal) (59%) |
| Heather Meadow Ct | 1,090 ft | 0.0% | X (unshaded, minimal) (100%) |
| Island Hills Dr | 980 ft | 6.1% | X (shaded, 0.2% annual chance) (94%) |
| Hallmark Fair Ct | 880 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Harvest Summer Ct | 850 ft | 0.0% | X (unshaded, minimal) (100%) |
| Georgetown Park Ct | 790 ft | 91% | AE (91%) |
| Fordham Park Ct | 780 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Quiet Knoll Ct | 770 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Town Lake Ct | 750 ft | 0.0% | X (unshaded, minimal) (70%) |
| Hazy Pines Ct | 700 ft | 0.0% | X (unshaded, minimal) (100%) |
| Shadow Path Dr | 690 ft | 0.0% | X (unshaded, minimal) (100%) |
| Heather Bend Ct | 660 ft | 0.0% | X (unshaded, minimal) (76%) |
| Timber Hollow | 620 ft | 100% | AE (100%) |
| Scenic Peaks Ct | 590 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 University Park
Share of University Park’s mapped area (about 3.559 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 14 to 17 feet. Effective date of the FIRM panel(s) covering it (48201C1080M): January 6, 2017.
| FEMA zone | Share of area |
|---|---|
| AE | 41% |
| X (shaded, 0.2% annual chance) | 35% |
| X (unshaded, minimal) | 23% |
| VE | 1.2% |
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 University Park. 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 |
|---|---|---|
| 2000s | 17 | $39,431 |
| 2010s | 10 | $274,400 |
| 2020s | 3 | $45,299 |
By year of loss
Named flood events with the most claims
- Hurricane Ike: 10 claims
- Hurricane Harvey: 7 claims
- Tropical Storm Allison: 3 claims
- Early summer storms: 2 claims
- Tropical Storm Paul: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 27
- A/AE/AH/AO (high risk): 3
How much is flood insurance in University Park?
The typical National Flood Insurance Program policy on single-family homes in University Park costs $1,152 a year: the median of 452 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,084 and $1,267. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 31, 2026.
Are insurers dropping homes in University Park?
Since April 2026, Texas insurers must report every home insurance policy they cancel or do not renew, and every application they turn down, with the reasons. In ZIP code 77059, insurers did not renew or cancelled for reasons of their own at least 110 homeowner-type policies in April–July 2026: 18.1 for every 1,000 policies in force, above the Texas rate of 14.2. ZIP codes do not follow neighborhood lines; these are the ZIP codes on most of the flood claims counted for University Park, within 10 km of it.
| ZIP code | Not renewed or cancelled by the insurer | Per 1,000 policies in force | Applications turned down |
|---|---|---|---|
| 77059 | 110 | 18.1 | 1,428 |
| 77058 | 49 | 14.7 | 549 |
| All of Texas | 113,811 | 14.2 | 575,534 |
Homeowner-type policies: homeowners, condominium owners, dwelling (rental house) and mobile home policies, April–July 2026. “Not renewed or cancelled by the insurer” is every nonrenewal plus every cancellation whose stated reasons include one on the insurer’s side; cancellations for nonpayment or at the policyholder’s own request are not counted, and they are most cancellations. The reasons file only has notices sent since the reporting began, so the cancellation part is a floor: read these as “at least”. Policies in force are TDI’s count as of December 31, 2025. A rate is shown only for 10 or more. Where the insurer’s notice gave its reasons (97 notices in TDI’s reasons file for these ZIP codes): 60% cited “other insurer action”, TDI’s catch-all reason; 16% cited the insurer leaving the market; 5% cited other property condition; 3% cited an inspection report not accepted. A notice can give more than one reason.
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). Computed October 26, 2026. The Texas Department of Insurance does not endorse this site.
Why home insurance costs what it does in University Park
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 University Park, within 10 km of it.
- ZIP code 77059: the median National Flood Insurance Program policy cost for single-family homes was $1,146 a year, the middle of 3,083 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,082 and $1,266. These policies are priced under Risk Rating 2.0.
- ZIP code 77059: NFIP records list 694 flood claims with a loss year from 1978 through 2025. The claims dataset is as of September 8, 2026.
- ZIP code 77058: the median National Flood Insurance Program policy cost for single-family homes was $1,266 a year, the middle of 1,567 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,086 and $1,735. These policies are priced under Risk Rating 2.0.
- ZIP code 77058: NFIP records list 2,068 flood claims with a loss year from 1979 through 2026. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Pasadena, TX a Risk to Homes national percentile rank of 0.653, which its methods call Medium (above the 40th percentile and below the 70th). That is the city rating, not a rating of University Park 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 University Park?
ZIP code 77059: the median National Flood Insurance Program policy cost for single-family homes was $1,146 a year, the middle of 3,083 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,082 and $1,266. These policies are priced under Risk Rating 2.0. ZIP code 77059: NFIP records list 694 flood claims with a loss year from 1978 through 2025. The claims dataset is as of September 8, 2026. ZIP code 77058: the median National Flood Insurance Program policy cost for single-family homes was $1,266 a year, the middle of 1,567 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,086 and $1,735. These policies are priced under Risk Rating 2.0. ZIP code 77058: NFIP records list 2,068 flood claims with a loss year from 1979 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 University Park?
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 University Park
- 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 University Park
Flood maps are only one part of choosing a neighborhood. To compare University Park with other Pasadena neighborhoods on more than flooding, see Pasadena on StrollPlace.
Buyer and renter FAQ
Does University Park flood?
Yes. Insured properties in and around University Park have filed flood claims. About 42% of University Park’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 30 claims from the Census block groups that cover University Park, from 2001 through 2024. 14 of them received a payment, totaling $359,131 (not adjusted for inflation). The busiest years were 2008 (10 claims), 2017 (7 claims), 2001 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is University Park in a flood zone?
About 42% of University Park’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: AE 41%; X (shaded, 0.2% annual chance) 35%; X (unshaded, minimal) 23%; VE 1.2%. The FIRM panel(s) covering it took effect January 6, 2017.
Which streets in University Park are in a high-risk flood zone?
Most of the length of Park Shadows Trl, Mighty Redwood Dr, Orchard Mountain Dr, University Park Dr, Georgetown Park Ct and Timber Hollow lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Ridgewood Canyon Dr, Glenshannon Dr, Heather Meadow Ct, Island Hills Dr, Hallmark Fair Ct, Harvest Summer Ct, Fordham Park Ct and Quiet Knoll Ct does. Zones can change along a street, so check the exact address.
What ZIP code is University Park in?
University Park is in Pasadena, TX. ZIP codes 77059 and 77058: 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.
How much is flood insurance in University Park?
The typical NFIP flood insurance policy on single-family homes in University Park cost $1,152 a year: the median of 452 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,084 and $1,267. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
Are insurers dropping homes in University Park?
In ZIP code 77059, insurers did not renew or cancelled for reasons of their own at least 110 homeowner-type policies in April–July 2026: 18.1 for every 1,000 policies in force, above the Texas rate of 14.2. That counts every nonrenewal and every cancellation with a reason on the insurer’s side, not cancellations for nonpayment or at the policyholder’s request. Insurers also turned down 1,428 applications there over the same months. Source: Texas Department of Insurance HB 2067 data.
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
- Village Grove
- Does Golden Acres flood?
- Does Huntington flood?
- Parkview Estates
- Parkview Manor
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 Harris County (county code 48201), 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: 482013402032. 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.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- 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).
- 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.