Sugar Land, Texas Flood Zones
Sugar Land sits in the Brazos River floodplain southwest of Houston, where Harvey caused major flooding in 2017. Rapid suburban growth continues to push development into mapped SFHA areas despite the known Brazos River flood risk.
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 Sugar Land.
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
Zone X
5,169
Zone AE
1,506
Zone A
467
Zone V
9
Zone D
2
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Sugar Land
Properties in Sugar Land, TX are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Sugar Land
Sugar Land 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 Sugar Land 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 Sugar Land 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 Sugar Land address.
Flood Insurance Discount: Sugar Land
Sugar Land 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 6
SFHA Premium Discount
20% off
CRS classes range from 1 (best) to 10 (no discount). Sugar Land's Class 6 rating means NFIP policyholders in the SFHA can receive up to a 20% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Check Your Sugar Land Address
Enter any Sugar Land, TX address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupSugar Land, TX Flood Zone FAQ
What flood zones are in Sugar Land, TX?
The most common FEMA flood zones in Sugar Land 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 Sugar Land?
If your Sugar Land 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 about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Sugar Land?
Enter your Sugar Land 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 Sugar Land offer flood insurance discounts?
Yes. Sugar Land participates in FEMA's Community Rating System (CRS) with a Class 6 rating, qualifying residents in the Special Flood Hazard Area for up to a 20% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Sugar Land experienced major flooding events?
Fort Bend County, where Sugar Land 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 Sugar Land?
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 Sugar Land.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026