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FEMA flood zones · Texas

Seabrook, Texas Flood Zone Map

13,618 residents·in Harris County·170,854 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 Seabrook, 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 Seabrook

The map above shows FEMA’s flood zones in and around Seabrook; 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 Harris County, which includes Seabrook.

25% of Harris County’s area is in FEMA’s high-risk flood zones, and another 11% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Where the flood claims came from

20% of Harris County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

94,781 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 Harris County flood insurance claims that reported a flood depth, the average was 4 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 2017, with 49,788 claims and $5.4B paid, the year of Hurricane Harvey.

1978: 180 claims1979: 8,140 claims1980: 660 claims1981: 4,765 claims1982: 428 claims1983: 6,762 claims1984: 1,153 claims1985: 711 claims1986: 235 claims1987: 564 claims1988: 65 claims1989: 6,487 claims1990: 79 claims1991: 412 claims1992: 2,907 claims1993: 445 claims1994: 3,561 claims1995: 328 claims1996: 285 claims1997: 1,624 claims1998: 3,936 claims1999: 591 claims2000: 277 claims2001: 22,946 claims2002: 3,198 claims2003: 1,650 claims2004: 330 claims2005: 386 claims2006: 2,466 claims2007: 1,425 claims2008: 13,716 claims2009: 4,824 claims2010: 358 claims2011: 62 claims2012: 944 claims2013: 451 claims2014: 340 claims2015: 7,002 claims2016: 8,157 claims2017: 49,788 claims2018: 259 claims2019: 4,773 claims2020: 348 claims2021: 573 claims2022: 187 claims2023: 187 claims2024: 1,745 claims2025: 63 claims2026: 81 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 Harris County flood history: disasters, storm reports and events →

The zones you’ll see on the map

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. 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.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  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 Seabrook

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.