FEMA flood zone rules in Conroe, TX — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Conroe faces significant flood risk from the San Jacinto River watershed and Lake Conroe. FEMA maps designate many areas as Zone AE. Floodplain permits are mandatory before any development in the SFHA. The city participates in NFIP and CRS.
Conroe sits within the San Jacinto River watershed in Montgomery County. Lake Conroe, managed by the San Jacinto River Authority (SJRA), can cause downstream flooding during heavy rain. FEMA Flood Insurance Rate Maps designate many Conroe-area properties in Zone AE (100-year floodplain) or Zone X (moderate risk). A floodplain permit is mandatory before starting any development in the Special Flood Hazard Area (SFHA), including new structures, demolition, paving, clearing, fill, excavation, and watercourse alterations. The city participates in the National Flood Insurance Program (NFIP) and the Community Rating System (CRS), managing its floodplain to stricter than minimum NFIP standards. Property owners may request a LOMA or LOMR-F to remove incorrectly mapped properties from the SFHA.
Development in flood zones without permits violates NFIP requirements and may jeopardize the community's flood insurance program participation.
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Side-by-side rule comparisons with other cities in Montgomery County.
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