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Claim or joinLegal name: The Orchard Lake Estates Homeowners' Association, Inc.
HOA · Sugar Land, 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 Low composite risk for this neighborhood area · 18th 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 · SUGAR LAND, CITY OF
CRS class 6: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 77498
2020 -2.4% · 2021 +9.6% · 2022 +35.3% · 2023 +7.7% · 2024 -10.0% · 2025 -1.3%
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.
From public officer filings · 2026 Q2 snapshot
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44% 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
Managed by Spectrum Association Management
Public record · Recorded management certificate
TX TREC Management Certificate — The Orchard Lake Estates Homeowners' Association, Inc.
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Public record · Recorded documents
Most recent significant event in Fort Bend County: Tornado, Jan 24, 2023.
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 77498 · 2022
Average premium changed +10.8% 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 The Orchard Lake Estates Homeowners' Association, Inc.
Principal address · Legal name
Filed as shown; displayed as The Orchard Lake Estates Homeowners' 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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