Flood Zones in Sugar Land & Why Flood Insurance Matters
Jun 20 2025 18:52

Living in Sugar Land, you’ve probably heard about flood zones—but do you know which one you’re in? Or how that affects your homeowners insurance? If you think standard home insurance covers flooding, you’re not alone—but unfortunately, it doesn’t.

 

At DeShazo Insurance, we regularly help families in Sugar Land, Katy, and Fulshear understand their flood risk—and how to protect their homes. Here's what you need to know.

 

What Is a Flood Zone?

A flood zone is an area defined by FEMA (the Federal Emergency Management Agency) that shows your home’s risk for flooding. Zones range from high risk (Zone A or AE) to moderate and minimal risk (Zone X).

 

In Sugar Land and surrounding areas, you’ll find a mix of zones—especially near the Brazos River, Oyster Creek, and other waterways that can swell during storms.

You can check your address on FEMA’s Flood Map Service Center or ask your insurance agent for help.

 

Why Flooding Is a Real Risk in Sugar Land

Flooding isn’t just a coastal problem. In fact:

  • Sugar Land has experienced multiple 100- and 500-year flood events in recent years.
  • Hurricane Harvey caused major damage here—not just from wind, but from rainfall and overflowing drainage systems.
  • New construction and growing subdivisions increase runoff and change natural water flow.

💡 Even if your home is in a lower-risk zone, you’re still vulnerable. FEMA says more than 20% of flood claims come from properties in low- or moderate-risk zones.

 

What Flood Insurance Covers

Flood insurance covers water damage from rising water—whether from heavy rain, overflowing creeks, or storm surge. It typically includes:

  • Your home’s structure (walls, foundation, electrical/plumbing systems)

  • Appliances like refrigerators, washers/dryers, and water heaters

  • Personal belongings like furniture and electronics (if contents coverage is added)

  • Cleanup and debris removal

Flood policies come from the National Flood Insurance Program (NFIP) or private insurance companies. We can help you compare both options.

 

What It Doesn’t Cover

Flood insurance doesn’t cover everything. Exclusions may include:

  • Damage from sewer backup (unless directly caused by flooding)
  • Living expenses if you’re temporarily displaced
  • Landscaping, decks, or fences
  • Mold or mildew if preventable

Need more coverage? We can look at excess flood insurance or add endorsements to help fill the gaps.

 

How Much Does Flood Insurance Cost in Sugar Land?

Rates are based on your:

  • Flood zone
  • Property elevation
  • Type of foundation (slab vs. pier & beam)
  • Age and value of your home
  • Coverage limits

The good news? Flood insurance for homes in lower-risk zones (like Zone X) is often surprisingly affordable—sometimes as low as $300–$600 per year.

 

Final Thoughts

Flooding is unpredictable—but flood insurance doesn’t have to be. Whether you're in Riverstone, New Territory, First Colony, or just outside the major floodplain, protecting your home from water damage could be one of the smartest financial decisions you make.

 

Let’s Check Your Flood Risk

Wondering if you need flood insurance? We’ll help you find your zone, compare rates, and choose the right coverage—no pressure, just local help.