Flood Insurance in Texas
Rain does not check a flood-zone map.
Flooding can affect properties inside and outside high-risk zones, and most home policies do not cover it. We help homeowners, renters and businesses explore separate flood insurance options before the water rises.
Why a separate flood policy matters
A standard homeowners or renters policy usually excludes flood damage. A separate flood policy can help protect the building, its contents or both, depending on the policy selected. A lender may require flood insurance when a mortgaged property is in a designated high-risk flood area, but a property outside that area can still flood.
What flood coverage may protect
Building Property
May cover the insured structure and certain permanently installed systems, appliances and fixtures.
Personal Contents
May cover eligible belongings such as furniture, clothing and certain portable appliances when contents coverage is selected.
Cleanup & Debris
Certain cleanup, debris-removal or protective expenses may be covered, subject to the policy.
Business Property
Commercial flood insurance may protect an eligible building and business contents under separate limits.
NFIP coverage and private flood insurance are not identical. Limits, valuation, basement coverage, temporary-living expenses, replacement-cost treatment and exclusions may differ. NFIP residential limits are generally up to $250,000 for the building and $100,000 for contents; private options may offer different limits where available.
Who should consider a quote?
- Homeowners with or without a mortgage
- Renters who want to protect their belongings
- Landlords and owners of investment properties
- Businesses protecting buildings, equipment or inventory
- Customers whose lender requires proof of coverage
- Anyone reviewing coverage before hurricane and heavy-rain seasons
What we review with you
We consider the property address, occupancy, building characteristics, requested limits, foundation type, flood zone and lender requirements. We then explain available NFIP or private-market options represented by our agency, including waiting periods and important differences.
Frequently asked questions
I am not in a high-risk flood zone. Do I still need coverage?
A lender might not require it, but lower risk is not zero risk. Flood-zone maps identify relative risk and can change; they do not guarantee that a property will not flood.
Does flood insurance cover my car?
Flood policies generally do not cover vehicles. Flood damage to a vehicle may be covered under comprehensive auto coverage, subject to that auto policy's terms and deductible.
Are building and contents coverage automatic?
Not always. Under an NFIP policy, building and contents are separate coverage selections. Confirm that the policy includes the protection and limits you intend to purchase.
When should I buy flood insurance?
Before an approaching storm. Waiting periods commonly apply, and coverage cannot normally be purchased after flooding has begun to cover that event.
Request a Texas flood insurance quote.
We will help you review available coverage, limits and waiting periods.
Start My Quote →Coverage disclaimer: General information only. Flood coverage is subject to the issued policy's definitions, limits, deductibles, conditions and exclusions. Availability and waiting periods vary.