Flood Insurance
Standard home policies exclude flood — and Texas floods readily, even far from the coast. We place NFIP and private flood coverage so rising water doesn’t mean financial ruin.
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What every Texan should know about flood
Your homeowners policy does not cover flood
This is the gap that costs Texas families the most: standard homeowners, renters, and even most landlord policies exclude flood damage entirely. Rising water from heavy rain, an overflowing creek, flash flooding, or storm surge is simply not covered — no matter how comprehensive your home policy is. The only way to be protected is a separate flood policy.
You don’t have to live on the coast to flood
More than 20% of flood claims come from properties outside high-risk flood zones. Texas is one of the most flood-prone states in the country — Hill Country flash floods along the Guadalupe and Comal, urban drainage backups, and slow-moving storms all cause flooding well away from the coast. If it can rain where you live, it can flood.
NFIP and private flood options
We place flood coverage through both the National Flood Insurance Program (NFIP) and private flood carriers — and the private market has grown a lot, often with higher limits and competitive pricing. We compare both for your property. Coverage can include the building (structure, systems, built-ins) and your contents, which are quoted separately.
Mind the 30-day waiting period
Flood policies typically take 30 days to take effect — you can’t buy it as a storm approaches and be covered. The time to put flood coverage in place is now, before the next big rain. Tell us your address and we’ll check your flood zone and get a quote started.
Flood insurance questions, answered
Do I need flood insurance if I’m not in a flood zone?
It’s worth strongly considering. Over a fifth of flood claims come from outside high-risk zones, and Texas floods readily even inland. Outside high-risk areas, “preferred risk” policies are often inexpensive.
Is flood insurance required?
If you have a federally backed mortgage and your home is in a high-risk flood zone, your lender will require it. Many homeowners outside those zones buy it anyway because home policies never cover flood.
How long until my flood policy is active?
Usually 30 days from purchase, with limited exceptions (like a loan closing). That’s why it’s important to put coverage in place well before storm season, not during it.
What does flood insurance actually cover?
Generally the building (foundation, electrical/plumbing, HVAC, built-ins) and, on a separate limit, your contents. We’ll explain exactly what’s included and recommend the right limits for your property.
Get flood coverage in place before the next storm.
There’s usually a 30-day wait, so the time to act is now. Tell us your address and we’ll check your zone.