The Woodlands, TX Flood Zone Map
Last updated: August 2026
The Woodlands is an affluent Houston suburb that was catastrophically flooded during Hurricane Harvey when the San Jacinto River and Spring Creek overwhelmed the area. Lake Houston drainage complications compound the flood risk for this large master-planned community.
Montgomery County has recorded 13,035 NFIP flood insurance claims since 1978, totaling $632.5M 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
27,564
Montgomery County
Avg. Premium
$816/yr
Montgomery County
NFIP Flood Insurance Claims: Montgomery County
Properties in Montgomery County have filed 13,035 NFIP flood insurance claims totaling $632.5M in payouts since 1978. The average claim payout is $49K.
Highest-Claim Years
2017
2,445 claims - $248.4M
2016
1,660 claims - $91.3M
2019
1,297 claims - $90.1M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Montgomery County
Only roughly 1 in 9 households in Montgomery County carries NFIP flood insurance (11% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
11%
roughly 1 in 9 households
Historical Claims Ratio
1 in 2
13,035 claims over 45+ years across 27,564 current policies
Avg. Claim Payout
$48,521
Per claim, county-wide since 1978
Historically, Montgomery County has averaged 1 claim for every 2 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 August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include The Woodlands.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Montgomery County
Montgomery County has 1,995 properties with multiple flood insurance losses, including 509 severe repetitive loss properties. 102 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
1,995
2+ claims within 10 years
Severe Repetitive Loss
509
4+ claims or 2 exceeding value
Mitigated
102
Received FEMA mitigation
By Flood Zone
Zone data available for 1,850 of 1,995 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Federal Flood Disaster History: Montgomery County
Montgomery County has been included in 19 federal flood-related disaster declarations.
...and 11 earlier declarations since 1973.
These declarations affected communities across Montgomery County, including The Woodlands.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Montgomery County
NOAA has recorded 74 flood events in Montgomery County since 1996, causing $7.2B in damage and 4 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Montgomery County
FEMA has funded mitigation for 919 properties in Montgomery County, investing $56.9M 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 August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Montgomery 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: $94.4M
Hurricane Risk
Relatively HighEst. annual loss: $17.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in The Woodlands
The Woodlands faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in The Woodlands are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $94.4M.
With both riverine and urban stormwater flood risk, insurance costs in The Woodlands depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. 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 zone boundaries in The Woodlands can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any The Woodlands address.
The Woodlands, TX Flood Zone FAQ
What flood zones are in The Woodlands, TX?
The most common FEMA flood zones in The Woodlands 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 The Woodlands?
If your The Woodlands 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 a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in The Woodlands?
Enter your The Woodlands 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.
How high is flood risk in The Woodlands?
According to FEMA's National Risk Index, Montgomery County (where The Woodlands is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $94.4M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has The Woodlands experienced major flooding events?
Montgomery County, where The Woodlands is located, has been part of 19 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 The Woodlands?
Montgomery County has recorded 13,035 NFIP flood insurance claims totaling $632.5M in payouts since 1978. The year with the most claims was 2017, with 2,445 claims and $248.4M in payouts. These figures cover all NFIP claims in the county, including The Woodlands.
How many flood insurance policies are there in The Woodlands?
Montgomery County had 27,564 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $816. The most policies are in Zone X (24,163 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many The Woodlands properties have flooded repeatedly?
Montgomery County has 1,995 properties with multiple flood losses on record, including 509 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 The Woodlands 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 The Woodlands?
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 The Woodlands'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
See the Flood Map for Any The Woodlands, TX Address
Enter a The Woodlands, TX address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Multi-county note: The Woodlands spans 2 counties: Montgomery County (83.6%) and Harris (16.4%). The county-level flood risk data on this page reflects Montgomery County only, which covers about 83.6% of the city. Use the address search above to check flood zone data specific to your property.
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 August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.