Flooding in Port Arthur WHAT YOU NEED TO KNOW

Port Arthur sits at the crossroads of the Gulf of Mexico, Sabine Lake, and the Intracoastal Waterway, which means flooding isn’t just a possibility, it’s a persistent threat. The city has faced repeated flood events from hurricanes, tropical storms, and even heavy rain systems.

With much of Port Arthur sitting at or near sea level, storm surge and drainage backups can impact homes far from the coast. In fact, studies show that over 27,700 properties in Port Arthur (equivalent to 96% of all properties in the city) are at risk of flood damage. However, most standard homeowners insurance doesn’t cover flood damage, so you’ll need separate private flood insurance in Port Arthur, TX to protect your home and belongings from floods.

Flood Zones in Port Arthur

A large portion of Port Arthur lies in FEMA-designated high-risk flood zones, especially Zone AE and Zone VE, where flood insurance is often required by mortgage lenders. Areas near Sabine Lake, Taylor Bayou, and the city’s industrial canals are particularly vulnerable.
Even properties in Zone X, considered moderate risk, have experienced repeated flood events—especially when storm drains overflow or water rises from bayous and canals. FEMA reports that40% of flood insurance claimscome from outside high-risk zones, making coverage important across the city.