Missouri City, TX Flood Zone Lookup
Last updated: March 2026
Missouri City sits on the Brazos River and Oyster Creek floodplains southwest of Houston. Hurricane Harvey caused extensive flooding in this suburb as the Brazos River reached record levels.
Fort Bend County has recorded 7,385 NFIP flood insurance claims since 1978, totaling $449.7M 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
47,036
Fort Bend County
Avg. Premium
$747/yr
Fort Bend County
FEMA Flood Risk Profile: Fort Bend 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: $168.8M
Coastal Flood Risk
Very LowEst. annual loss: $224
Hurricane Risk
Relatively HighEst. annual loss: $70.7M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Fort Bend County
Fort Bend County has been included in 18 federal flood-related disaster declarations.
...and 10 earlier declarations since 1983.
These declarations affected communities across Fort Bend County, including Missouri City.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Fort Bend County
Properties in Fort Bend County have filed 7,385 NFIP flood insurance claims totaling $449.7M in payouts since 1978. The average claim payout is $61K.
Highest-Claim Years
2017
3,977 claims - $363.5M
2016
631 claims - $45.3M
2015
332 claims - $6.3M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Fort Bend County
Only roughly 1 in 7 households in Fort Bend County carries NFIP flood insurance (14% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
14%
roughly 1 in 7 households
Historical Claims Ratio
1 in 6
7,385 claims over 45+ years across 47,036 current policies
Avg. Claim Payout
$60,896
Per claim, county-wide since 1978
Historically, Fort Bend County has averaged 1 claim for every 6 active policies (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 Missouri City.
What Your Flood Zone Means in Missouri City
Missouri City faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Missouri City are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $168.8M.
Riverine flood risk in Missouri City is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. 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.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Missouri City address.
Repetitive Loss Properties: Fort Bend County
Fort Bend County has 636 properties with multiple flood insurance losses, including 69 severe repetitive loss properties. 18 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
636
2+ claims within 10 years
Severe Repetitive Loss
69
4+ claims or 2 exceeding value
Mitigated
18
Received FEMA mitigation
By Flood Zone
Zone data available for 632 of 636 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Fort Bend County
NOAA has recorded 56 flood events in Fort Bend County since 1996, causing $8.0B in damage and 5 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Fort Bend County
FEMA has funded mitigation for 94 properties in Fort Bend County, investing $27.0M 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: Missouri City
Missouri 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Missouri City's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Missouri City, TX Flood Zone FAQ
What flood zones are in Missouri City, TX?
The most common FEMA flood zones in Missouri 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 Missouri City?
If your Missouri 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 Missouri City?
Enter your Missouri 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 Missouri City offer flood insurance discounts?
Yes. Missouri City participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Missouri City experienced major flooding events?
Fort Bend County, where Missouri City is located, has been part of 18 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 Missouri City?
Fort Bend County has recorded 7,385 NFIP flood insurance claims totaling $449.7M in payouts since 1978. The year with the most claims was 2017, with 3,977 claims and $363.5M in payouts. These figures cover all NFIP claims in the county, including Missouri City.
How many flood insurance policies are active in Missouri City?
Fort Bend County currently has 47,036 active NFIP flood insurance policies with an average annual premium of $747. The most policies are in Zone X (43,575 policies). These figures cover all active NFIP policies in the county.
How many Missouri City properties have flooded repeatedly?
Fort Bend County has 636 properties with multiple flood losses on record, including 69 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 Missouri 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 Missouri 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 Missouri 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.
Other Texas Cities
Understanding Flood Zones
Look Up Any Missouri City, TX Address
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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.