League City, TX Flood Zone Lookup
Last updated: March 2026
League City is one of Houston's fastest-growing suburbs, with Clear Creek and Galveston Bay flooding creating extensive SFHA zones. Hurricane Harvey caused widespread damage in this rapidly developing community between Houston and Galveston.
Galveston County has recorded 60,611 NFIP flood insurance claims since 1978, totaling $2.4B in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 6
NFIP Policies
68,526
Galveston County
Avg. Premium
$1,151/yr
Galveston County
FEMA Flood Risk Profile: Galveston County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $63.0M
Coastal Flood Risk
Relatively HighEst. annual loss: $5.4M
Hurricane Risk
Relatively HighEst. annual loss: $42.0M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Galveston County
Galveston County has been included in 21 federal flood-related disaster declarations.
...and 13 earlier declarations since 1979.
These declarations affected communities across Galveston County, including League City.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Galveston County
Properties in Galveston County have filed 60,611 NFIP flood insurance claims totaling $2.4B in payouts since 1978. The average claim payout is $40K.
Highest-Claim Years
2008
22,606 claims - $1.3B
2017
8,853 claims - $834.8M
1983
7,483 claims - $46.7M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Galveston County
Only roughly 1 in 2 households in Galveston County carries NFIP flood insurance (49% of estimated households).
Penetration Rate
49%
roughly 1 in 2 households
Historical Claims Ratio
1 in 1
60,611 claims over 45+ years across 68,526 current policies
Avg. Claim Payout
$40,402
Per claim, county-wide since 1978
Historically, Galveston County has averaged 1 claim for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include League City.
What Your Flood Zone Means in League City
League City faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in League City are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $63.0M.
Combined coastal and inland flood exposure in League City means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any League City address.
Repetitive Loss Properties: Galveston County
Galveston County has 3,276 properties with multiple flood insurance losses, including 496 severe repetitive loss properties. 226 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
3,276
2+ claims within 10 years
Severe Repetitive Loss
496
4+ claims or 2 exceeding value
Mitigated
226
Received FEMA mitigation
By Flood Zone
Zone data available for 3,269 of 3,276 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Galveston County
NOAA has recorded 108 flood events in Galveston County since 1996, causing $10.0B in damage and 6 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Galveston County
FEMA has funded mitigation for 1,476 properties in Galveston County, investing $140.1M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: League City
League City participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). League City's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
League City, TX Flood Zone FAQ
What flood zones are in League City, TX?
The most common FEMA flood zones in League City are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in League City?
If your League City property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in League City?
Enter your League City address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does League City offer flood insurance discounts?
Yes. League City participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has League City experienced major flooding events?
Galveston County, where League City is located, has been part of 21 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Beryl in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in League City?
Galveston County has recorded 60,611 NFIP flood insurance claims totaling $2.4B in payouts since 1978. The year with the most claims was 2008, with 22,606 claims and $1.3B in payouts. These figures cover all NFIP claims in the county, including League City.
How many flood insurance policies are active in League City?
Galveston County currently has 68,526 active NFIP flood insurance policies with an average annual premium of $1,151. The most policies are in Zone AE (30,404 policies). These figures cover all active NFIP policies in the county.
How many League City properties have flooded repeatedly?
Galveston County has 3,276 properties with multiple flood losses on record, including 496 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my League City property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in League City?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In League City's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.