Much of Cameron County Is in a FEMA Flood Zone

Cameron County sits near sea level along the Gulf of Mexico. Coastal and low-lying areas, including South Padre Island and the Rio Grande delta, are known to fall within FEMA-designated special flood hazard areas. If your mortgage lender requires flood insurance, they are responding to that official FEMA designation. Check the official flood map for any specific address before you guess at your property's zone.

You can look up any address using the FEMA Flood Map Service Center at msc.fema.gov. Properties in V, VE, or high-risk A zones face the most risk and typically require NFIP flood insurance. Flood insurance is separate from windstorm insurance, and you may need both.