The good news is that, for the most part and with few exceptions, Katy neighborhoods are located out of Special Flood Areas (in orange zones). There are a few areas that are in 500-year Floodplain (yellow zone) and a few more that are near creeks and bayous that put them in the 100-year Floodway (purple).
What is the flood risk in Katy?
For the most part, with few exceptions, Katy neighborhoods are located in a 500-year floodplain which means that they have 0.2 percent risk for flooding each year…less than 1%! During Hurricane Harvey, two unprecedented things occurred that caused a few homes in Katy to flood…homes located mostly around...
Did Katy flood during Hurricane Harvey?
In fact, less than 8 percent of Katy homes and businesses (approximately 7,209) were flooded during Hurricane Harvey…so don’t let what you see on TV give you the wrong impression…most of the homes in Katy TX do not flood on a regular basis and did not flood even during this HISTORIC hurricane.
What are flood zone C and Zone X?
The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded).
What are the FEMA flood zones?
FEMA flood zones are flood risk areas identified on the Flood Insurance Rate Map. (Zone AE) High-Risk. Areas subject to inundation by the 1-percent-annual-chance flood event. BFE is shown. Flood Insurance Required. (Zone A) High-Risk. Areas subject to inundation by the 1-percent-annual-chance flood event. No Base Flood Elevations are shown.
Is Katy Texas affected by flooding?
More than 32,000 acres of land in the Katy area were flooded during Harvey, leading to more than 13,000 Federal Emergency Management Agency claims, according to previous Community Impact Newspaper reporting.
Do you need flood insurance in Katy Texas?
Flood insurance is not required for Katy homeowners by law, but your mortgage lender may require it. If your home is in a high-risk flood area, your mortgage lender may require you to secure a flood insurance policy.
How much is flood insurance in Katy?
Cost of flood insurance in HoustonCityAverage annual cost of flood insuranceAverage coverage amountKaty$503$303,059Webster$554$228,472Taylor Lake Village$588$332,273South Houston$828$196,42016 more rows•Aug 26, 2020
Is my residence in a flood zone?
To check if your home is in a flood zone, simply enter your address or ZIP code into FEMA's online flood map service center. Once you've located your neighborhood, you may notice it falls under one of FEMA's flood zone classifications, which range from low- and moderate-risk to high-risk areas.
Do hurricanes hit Katy Texas?
KATY, Texas – Hurricane Harvey hit the Texas coast as the first major hurricane to make landfall since 2005.
How many hurricanes have hit Katy Texas?
Other Weather Extremes EventsTypeCountBlizzard:0Flood:383Hurricane:2Tropical Storm:61 more row
What flood zones require flood insurance in Texas?
Flood insurance is required when all three of the following conditions are met:Condition 1: Any part of the property is located in a V, VE, or V1-V30 flood zone, as defined by the National Flood Insurance Program (NFIP). ... Condition 2: Flood insurance is available for the property from the NFIP.More items...
Does Houston need flood insurance?
Texas doesn't require homeowners to purchase flood insurance, but if your property is in a high-risk flood zone, you may need to buy coverage as a condition of your mortgage. Flood insurance is also a good consideration in Texas, as flood damage isn't covered by homeowners or renters insurance policies.
How much is flood insurance in Zone AE?
How Much Does Flood Insurance Cost in Flood Zone AE? Our flood insurance premiums for Zone AE average $424 a year. Compare that to the National Flood Insurance Program's average premium of $1,025 a year. Your cost depends on the limits you choose and your home's flood history.
How do I see flood zones on Google Earth?
Google Earth will open and display the FEMA NFHL welcome button (see area a in Figure 1), a map overlay that shows the status of data coverage (see area b), and the "National Flood Hazard Layer (FEMA)" folder under Temporary Places in the "Places"panel (area c).
What is flood zone AE?
AE zones are areas of inundation by the 1-percent- annual-chance flood, including areas with the 2-percent wave runup, elevation less than 3.0 feet above the ground, and areas with wave heights less than 3.0 feet. These areas are subdivided into elevation zones with BFEs assigned.
What is base flood elevation?
The elevation of surface water resulting from a flood that has a 1% chance of equaling or exceeding that level in any given year. The BFE is shown on the Flood Insurance Rate Map (FIRM) for zones AE, AH, A1–A30, AR, AR/A, AR/AE, AR/A1– A30, AR/AH, AR/AO, V1–V30 and VE.
What is flood risk mapping?
Flood Risk Mapping is an important part of the National Flood Insurance Program, as it is the basis of the NFIP regulations and flood insurance requirements. FEMA flood zones are flood risk areas identified on the Flood Insurance Rate Map.
What is a special flood risk area?
Special Flood Hazard Areas represent the area subject to inundation by 1-percent-annual chance flood. Structures located within the SFHA have a 26-percent chance of flooding during the life of a standard 30-year mortgage. Federal floodplain management regulations and mandatory flood insurance purchase requirements apply in these zones.
What is a coastal high risk area?
Coastal High Hazard Areas (CHHA) represent the area subject to inundation by 1-percent-annual chance flood, extending from offshore to the inland limit of a primary front al dune along an open coast and any other area subject to high velocity wave action from storms or seismic sources.
Is stormwater drainage considered flood insurance?
Local stormwater drainage systems are not normally considered in a community’s flood insurance study. The failure of a local drainage system can create areas of high flood risk within these zones. Flood insurance is available in participating communities, but is not required by regulation in these zones.
What is a flood hazard area?
SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year. The 1-percent annual chance flood is also referred to as the base flood or 100-year flood. SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. Moderate flood hazard areas, labeled Zone B or Zone X (shaded) are also shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood. The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded).
What is the area of minimal flood hazard?
The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded). Last updated July 8, 2020.
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