Everyone home has some risk of flooding

Even if you live in an area with low or moderate flood risk, you are 5 times more likely to experience flood than a fire in your home over the next 30 years.*

Dont wait for the Flood

Flood insurance covers your home and the contents for losses sustained as a result of rising water due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure. 

Your standard homeowners insurance doesn’t cover destruction or damage caused by flood or rising waters.

flood insurance covers

  • Furniture, clothing and other belongings
  • Certain cleanup expenses
  • Damages to your heating and cooling system
  • Repair or replacement of flooring

Coverage Limits

  • $250,000 for the building and $100,000 for the building contents. These typically have separate deductibles.

cost of flood insurance in texas

The cost of flood insurance can vary depending on a number of factors, but the flood ranking of your home is the most influential.
    Property Raking per Location are:
    • Zones B, C, and X are moderate to low risk for flooding. Low risk means lower cost and less than a one percent chance of annual flooding.
    • Zones A are considered high risk and higher cost.
    • Zone V is similar to zone A. High-risk areas along the coast.
    • Zone D, which indicates a determination has yet to be made for the area
  • Starting policy costs: $325/year

Your homeowners insurance only covers interior water damage, due to a burst pipe, or weather events like tornadoes and rainstorms. It generally doesn't cover damage caused by flood or rising waters. If you think your home or business is located in a medium or high risk area or prone to this sort of natural disaster, you might look into getting this special coverage. Also flood insurance can be required by mortgage lenders when properties are located in federally designated high-risk flood zones or floodplains.

FEMA has many resources related to flood insurance. You can search flood maps here: https://msc.fema.gov/portal/search*

Even though flood insurance isn’t required for your property, flooding can happen to anyone. In fact, policyholders outside of high-risk flood areas file over 20 percent of all NFIP flood insurance claims and require one-third of federal disaster assistance for flooding