Your guide to
Flood Insurance in Texas
Floodwater can damage a home in ways a standard homeowners policy generally does not cover. Our agency helps you understand how flood insurance works and what to ask before the next storm.
What it covers
What flood insurance can cover
Flood policies generally separate coverage for the building from coverage for what is inside it. Limits, deductibles and exclusions vary, so it helps to review both.
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Building coverage
Helps pay to repair your home's structure and built-in systems, such as wiring, plumbing and air conditioning, after a covered flood.
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Contents coverage
Helps protect belongings such as furniture, clothing and electronics. It is often purchased separately from building coverage.
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Coverage for renters
If you rent, you may be able to insure your belongings against flood even though you do not own the building.
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Coverage for businesses
Commercial buildings and business contents may also be insured against flood, depending on the property and the policy.
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Why it matters
Flooding can happen outside high-risk zones
Standard homeowners and renters policies generally do not cover flood damage. Heavy rain, overflowing rivers and creeks, storm surge and poor drainage can all cause flooding, and homes outside high-risk flood zones can still be affected.
Flood policies often have a waiting period before coverage begins, so it helps to plan ahead instead of waiting for a storm in the forecast. Coverage for basements and temporary living costs may be limited, depending on the policy.
Even if your lender does not require flood insurance, your home may still be at risk of flooding.
Answers
Flood insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
In most cases, yes. Standard homeowners, condo and renters policies generally exclude flood damage, so flood coverage is usually a separate policy.
Not always. Many flood policies have a waiting period before coverage takes effect, and the length can vary by situation, so ask our agency about timing well before you need coverage.
Flood coverage may be available through the National Flood Insurance Program (NFIP) and through some private insurers. Options and terms differ, so we can help you understand what is available for your property.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.