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Flood history · Freeport, TX 77541

Flood insurance claims in Freeport, TX 77541

3,841 claims since 1978 and $51.7 million paid. Here's what the public record shows, and how to check a specific address.

3,841flood insurance claims since 1978
$51.7 millionpaid to policyholders
$17,471average paid claim
483claims in the last 10 years
24%of claims outside high-risk zones
#16of 1,592 Texas ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 77541 since 1978.

1978: 5 claims1979: 444 claims1980: 80 claims1981: 32 claims1982: 6 claims1983: 294 claims1984: 80 claims1986: 5 claims1987: 1 claims1988: 15 claims1989: 9 claims1990: 1 claims1991: 5 claims1992: 7 claims1993: 4 claims1994: 1 claims1995: 1 claims1996: 19 claims1997: 8 claims1998: 468 claims1999: 1 claims2000: 3 claims2001: 6 claims2002: 380 claims2003: 286 claims2004: 12 claims2005: 58 claims2006: 6 claims2007: 6 claims2008: 1061 claims2009: 2 claims2010: 1 claims2012: 2 claims2013: 2 claims2014: 5 claims2015: 15 claims2016: 27 claims2017: 191 claims2019: 22 claims2020: 46 claims2021: 73 claims2022: 2 claims2024: 144 claims2025: 1 claims2026: 4 claims19801990200020102020

What the record says

76% of claims were on properties in high-risk zones and 24% outside them.

Losses are spread across many events; the largest, Hurricane Ike, accounts for 27% of claims.

483 claims were filed 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

EventYearClaimsShare
Hurricane Ike20081,04627%
Unnamed flooding19981,02827%
Tropical Storm Claudette19793359%
Hurricane Alicia19832898%
Hurricane Claudette20032767%
Hurricane Harvey20171895%

Flood zone at time of claim

High-risk zones (A, V)75% · 2,873
Moderate or minimal risk (X, B, C)24% · 907
Undetermined (D)0% · 4
Zone not recorded1% · 57

NFIP communities

Brazoria County *Participates in the NFIP
Surfside Beach, City OfParticipates in the NFIP
Freeport, City OfParticipates in the NFIP
Jones Creek, Village OfParticipates in the NFIP

Federal disaster declarations in Brazoria County

Flood, hurricane and storm declarations since 2000.

Hurricane BerylHurricane · Major disaster · 2024-07-09
Tropical Storms Marco And LauraHurricane · Emergency · 2020-08-24
Hurricane HannaHurricane · Emergency · 2020-07-26
Hurricane HarveyHurricane · Major disaster · 2017-08-25
Severe Storms And FloodingFlood · Major disaster · 2016-06-11
Severe Storms, Tornadoes, Straight-Line Winds, And FloodingSevere Storm · Major disaster · 2015-11-25

18 flood, storm or hurricane declarations for Brazoria County since 2000.

Check a specific address in Freeport.

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.

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