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FEMA flood zones · Texas

Santa Fe, Texas Flood Zone Map

12,735 residents·in Galveston County·60,620 flood claims county-wide

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Santa Fe, Texas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood risk in Santa Fe

The map above shows FEMA’s flood zones in and around Santa Fe; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Galveston County, which includes Santa Fe.

61% of Galveston County’s area is in FEMA’s high-risk flood zones, and another 19% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Where the flood claims came from

19% of Galveston County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

51,570 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In Galveston County flood insurance claims that reported a flood depth, the average was 10 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2008, with 22,606 claims and $1.3B paid, the year of Hurricane Gustav and Hurricane Ike.

1978: 7 claims1979: 5,461 claims1980: 255 claims1981: 2,382 claims1982: 50 claims1983: 7,483 claims1984: 241 claims1985: 47 claims1986: 93 claims1987: 21 claims1988: 95 claims1989: 2,801 claims1990: 29 claims1991: 156 claims1992: 72 claims1993: 51 claims1994: 179 claims1995: 385 claims1996: 116 claims1997: 189 claims1998: 2,720 claims1999: 31 claims2000: 45 claims2001: 1,914 claims2002: 465 claims2003: 715 claims2004: 57 claims2005: 375 claims2006: 205 claims2007: 79 claims2008: 22,606 claims2009: 440 claims2010: 55 claims2011: 41 claims2012: 47 claims2013: 31 claims2014: 28 claims2015: 177 claims2016: 104 claims2017: 8,853 claims2018: 163 claims2019: 121 claims2020: 171 claims2021: 223 claims2022: 20 claims2023: 15 claims2024: 789 claims2025: 9 claims2026: 8 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Full Galveston County flood history: disasters, storm reports and events →

The zones you’ll see on the map

Cross-section of a coastal flood zoneDiagram: land rising away from the shore. The 1%-annual-chance flood surface reaches inland; where storm waves ride on top of it the zone is V or VE, behind that AE, then a band of shaded X, then X on higher ground.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXX shadedAEVE
  1. VE / V Storm waves of 3 feet or more ride on top of the flood. Strictest building rules; homes go up on pilings.
  2. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Santa Fe

If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

The average NFIP premium across Texas was $1,007 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.

Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.