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Claim or joinLegal name: Cougar Mountain Estates Property Owners' Association, Inc.
HOA · Fernandina Beach, TX
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A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · Federal flood-hazard maps
Relatively Moderate composite risk for this neighborhood area · 60th percentile of TX neighborhood areas
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
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Public record · Federal flood program records
Annual change in ZIP 32034
2020 +5.3% · 2021 +17.2% · 2022 +24.0% · 2023 +15.3% · 2024 +2.8% · 2025 -1.5%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
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TX TREC Management Certificate — Cougar Mountain Estates Property Owners' Association, Inc.
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10% of nearby housing sits in 5+ unit buildings, most of it built in 2020 or later.
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Public record · Federal community survey estimates
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Public record · Recorded documents
Most recent significant event in Hood County: Flash flood, Apr 30, 2025.
Post-storm federal aerial imagery exists for this location: Hurricane Ian, 2022.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Hood County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 32034 · 2022
Average premium changed -24.4% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Recorded management certificate
On file as Cougar Mountain Estates Property Owners' Association, Inc.
Principal address · Legal name
Filed as shown; displayed as Cougar Mountain Estates Property Owners' Association, INC.
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Public record
2 linked public records
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