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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 High composite risk for this neighborhood area · 96th percentile of TX neighborhood areas
28 federal disaster declarations for this county, including 12 hurricanes, most recent Jul 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · RICHMOND, CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 77406
2020 +2.6% · 2021 +14.9% · 2022 +21.2% · 2023 +10.2% · 2024 -7.4% · 2025 +26.3%
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.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
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TX TREC Management Certificate — Lakes of Bella Terra C.A.I.
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4% of nearby housing sits in 5+ unit buildings, most of it built in the 2010s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Public record · Recorded documents
Most recent significant event in Fort Bend County: Tornado, Jan 24, 2023.
Post-storm federal aerial imagery exists for this location: Hurricane Harvey, 2017.
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 Fort Bend County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 77406 · 2022
Average premium changed +1.4% 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 Lakes of Bella Terra C.A.I.
Principal address · Legal name
Filed as shown; displayed as Lakes of Bella Terra C.a.I.
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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