Does Sleepy Hollow flood?
Sleepy Hollow, Pearland, TX · ZIP code 77581: the ZIP code on 177 of the 177 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Sleepy Hollow have filed flood claims. About 31% of Sleepy Hollow’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 177 claims from the Census block groups that cover Sleepy Hollow, from 1979 through 2020. 150 of them received a payment, totaling $6,474,600 (not adjusted for inflation). The busiest years were 2017 (45 claims), 2001 (36 claims), 1979 (27 claims).
What this page counts as Sleepy Hollow
We could not find an openly licensed official boundary for Sleepy Hollow, so this page uses a census-based area. For this page, Sleepy Hollow 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 Sleepy Hollow (feature 2472638) and inside the Pearland 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 Sleepy Hollow. 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 Sleepy Hollow
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 Sleepy Hollow
The named streets in Sleepy Hollow, longest first, with how much of each street’s length inside Sleepy Hollow lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Sleepy Hollow; 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. 6 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Sleepy Hollow Dr | 4,160 ft | 50% | AE (50%) |
| Taylor Ln | 3,530 ft | 8.6% | X (shaded, 0.2% annual chance) (91%) |
| Dixie Farm Rd | 3,300 ft | 13% | X (unshaded, minimal) (64%) |
| Crane Dr | 2,970 ft | 26% | X (shaded, 0.2% annual chance) (71%) |
| Woodcreek Dr | 2,850 ft | 2.1% | X (shaded, 0.2% annual chance) (95%) |
| Creekridge Dr | 1,900 ft | 0.0% | X (unshaded, minimal) (90%) |
| McGinnis Dr | 1,820 ft | 0.0% | X (unshaded, minimal) (56%) |
| Washington Irving Dr | 1,680 ft | 0.0% | X (shaded, 0.2% annual chance) (60%) |
| Sleepy Rdg | 1,670 ft | 46% | X (shaded, 0.2% annual chance) (49%) |
| Willits St | 1,430 ft | 17% | X (shaded, 0.2% annual chance) (83%) |
| E Broadway | 1,320 ft | 0.0% | X (unshaded, minimal) (100%) |
| E Broadway St | 1,320 ft | 0.0% | X (unshaded, minimal) (100%) |
| Rayburn Ln | 1,270 ft | 47% | AE (47%) |
| Meadow Creek Dr | 1,050 ft | 31% | X (shaded, 0.2% annual chance) (48%) |
| Lazy Creek Ln | 1,040 ft | 0.0% | X (shaded, 0.2% annual chance) (91%) |
| Willits Dr | 1,030 ft | 21% | X (shaded, 0.2% annual chance) (79%) |
| Elm Hollow St | 1,010 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Dixie Hollow St | 880 ft | 0.0% | X (unshaded, minimal) (90%) |
| Cripple Creek Ln | 850 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Winding Creek Dr | 780 ft | 89% | AE (89%) |
| Walnut Hollow St | 770 ft | 0.0% | X (unshaded, minimal) (100%) |
| Pecan Hollow St | 690 ft | 0.0% | X (unshaded, minimal) (90%) |
| Sleepy Creek Way | 680 ft | 100% | AE (100%) |
| Live Oak Hollow St | 640 ft | 0.0% | X (unshaded, minimal) (93%) |
| Cypress Hollow St | 630 ft | 0.0% | X (unshaded, minimal) (83%) |
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 Sleepy Hollow
Share of Sleepy Hollow’s mapped area (about 1.367 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 (48039C0065K): December 30, 2020.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 34% |
| X (unshaded, minimal) | 34% |
| AE | 31% |
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 Sleepy Hollow. 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 | 27 | $429,892 |
| 1980s | 45 | $368,187 |
| 1990s | 15 | $775,536 |
| 2000s | 41 | $1,315,269 |
| 2010s | 47 | $3,444,812 |
| 2020s | 2 | $140,904 |
By year of loss
Named flood events with the most claims
- Hurricane Harvey: 44 claims
- Flooding: 40 claims
- Tropical Storm Allison: 37 claims
- Hurricane Alicia: 16 claims
- Tropical Storm Claudette: 15 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 61
- Not reported: 58
- A/AE/AH/AO (high risk): 58
How much is flood insurance in Sleepy Hollow?
The typical National Flood Insurance Program policy on single-family homes in Sleepy Hollow costs $1,158 a year: the median of 153 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,062 and $1,263. 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.
Why home insurance costs what it does in Sleepy Hollow
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 Sleepy Hollow, within 10 km of it.
- ZIP code 77581: the median National Flood Insurance Program policy cost for single-family homes was $1,083 a year, the middle of 4,386 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $769 and $1,261. These policies are priced under Risk Rating 2.0.
- ZIP code 77581: NFIP records list 3,544 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 Pearland, TX a Risk to Homes national percentile rank of 0.676, which its methods call Medium (above the 40th percentile and below the 70th). That is the city rating, not a rating of Sleepy Hollow 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. Brazoria 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 Sleepy Hollow?
ZIP code 77581: the median National Flood Insurance Program policy cost for single-family homes was $1,083 a year, the middle of 4,386 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $769 and $1,261. These policies are priced under Risk Rating 2.0. ZIP code 77581: NFIP records list 3,544 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 Sleepy Hollow?
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 Sleepy Hollow
- 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 Sleepy Hollow
Flood maps are only one part of choosing a neighborhood. To compare Sleepy Hollow with other Pearland neighborhoods on more than flooding, see Pearland on StrollPlace.
Buyer and renter FAQ
Does Sleepy Hollow flood?
Yes. Insured properties in and around Sleepy Hollow have filed flood claims. About 31% of Sleepy Hollow’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 177 claims from the Census block groups that cover Sleepy Hollow, from 1979 through 2020. 150 of them received a payment, totaling $6,474,600 (not adjusted for inflation). The busiest years were 2017 (45 claims), 2001 (36 claims), 1979 (27 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Sleepy Hollow in a flood zone?
About 31% of Sleepy Hollow’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 (shaded, 0.2% annual chance) 34%; X (unshaded, minimal) 34%; AE 31%. The FIRM panel(s) covering it took effect December 30, 2020.
Which streets in Sleepy Hollow are in a high-risk flood zone?
Most of the length of Winding Creek Dr and Sleepy Creek Way lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Taylor Ln, Woodcreek Dr, Creekridge Dr, McGinnis Dr, Washington Irving Dr, E Broadway, E Broadway St and Lazy Creek Ln does. Zones can change along a street, so check the exact address.
What ZIP code is Sleepy Hollow in?
Sleepy Hollow is in Pearland, TX. ZIP code 77581: the ZIP code on 177 of the 177 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 Sleepy Hollow?
The typical NFIP flood insurance policy on single-family homes in Sleepy Hollow cost $1,158 a year: the median of 153 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,062 and $1,263. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
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
- Woodcreek
- Oakbrook Estates
- Banbury Cross
- Does Sherwood flood?
- Heritage Green
- Magnolia Place
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 Brazoria County (county code 48039), 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: 480396601001. 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.
- 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.