Flood history · Conroe, TX 77306
Flood insurance claims in Conroe, TX 77306
171 claims since 1989 and $8.5 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 77306 since 1978.
What the record says
About 37% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
Losses are spread across many events; the largest, Tropical Storm Allison, accounts for 28% of claims.
Flooding here is recent: 80 claims (47%) were in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Tropical Storm Allison | 2001 | 48 | 28% |
| Hurricane Harvey | 2017 | 45 | 26% |
| Tropical Storm Imelda | 2019 | 23 | 13% |
| Unnamed flooding | 1998 | 17 | 10% |
| Texas Spring Flooding | 2024 | 11 | 6% |
| Early summer severe storms | 2016 | 6 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Montgomery County
Flood, hurricane and storm declarations since 2000.
16 flood, storm or hurricane declarations for Montgomery County since 2000.
Check a specific address in Conroe.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.