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Texas Flood Insurance

Flood Insurance in Sugar Land, TX – Costs, Coverage & Flood Risks in 2025

Sugar Land, TX, located along the Brazos River, is one of the most flood-prone cities in the Houston metro area. Learn how flood insurance can protect your home.

TEXAS THUMBNAIL

Sugar Land Texas Flood Insurance

Sugar Land Texas video

Do You Need Flood Insurance in Sugar Land, TX?

✔️ Homes along the Brazos River are at high risk for flooding.

✔️ Sugar Land has experienced multiple historic floods, including Hurricane Harvey.

✔️ Most homeowners insurance policies DO NOT cover flood damage.

How Much Does Flood Insurance Cost in Sugar Land, TX?

✔️ NFIP Average Rate: ~$750/year

✔️ Private Flood Insurance: More flexible coverage, often lower rates

Flood Risks & FEMA Flood Zones in Sugar Land

✔️ High-Risk Zones (A, AE, V, VE): Higher insurance rates, required for mortgages

✔️ Moderate-Risk Zones (B, C, X): Optional insurance but recommended

Find Flood Insurance for Your City in Texas

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Sugar Land Residents & Flood Insurance

“Our flood insurance covered everything after Hurricane Harvey.”

Tom S., Sugar Land, TX

“I saved $500/year switching from NFIP to private insurance.”

Emily B., Sugar Land, TX