No. A few things are going on here. The camera chip is "48MP". This means each pixel is its own. However, when you take one at 12MP it is doing something called "binning". The camera "combines" 4 pixels into one "super pixel". 4x12=48. Better...
Welcome from Houston also. I live near the Greenway Plaza area, but I spend most of my time (and flying time) at our ranch outside of Brenham. It's a great area to fly--wide open country, plenty to see, and in the spring... wildflowers!
Enjoy...