Flood Insurance Essentials for Texas Homeowners

Many Texas homeowners are surprised to learn that standard home insurance doesn't cover flood damage. With Texas's frequent flooding events, flood insurance is essential protection.

Why Standard Home Insurance Doesn't Cover Floods

Home insurance policies typically exclude flood damage, which is defined as water that comes from:

• Overflowing rivers, lakes, or streams
• Storm surge
• Heavy or prolonged rain
• Mudflows
• Rapid accumulation of surface water

Understanding Flood Zones

FEMA designates flood zones based on risk:

High-Risk Zones (A, AE, V, VE)

• Flood insurance required if you have a mortgage
• Higher premiums
• Higher risk of flooding

Moderate-to-Low Risk Zones (B, C, X)

• Flood insurance not required but recommended
• Lower premiums
• Still at risk (25% of flood claims come from low-risk areas)

What Flood Insurance Covers

Building Coverage

• Foundation walls and staircases
• Electrical and plumbing systems
• Central air and heating
• Built-in appliances
• Detached garages (up to 10% of building coverage)

Contents Coverage

• Personal belongings
• Furniture
• Electronics
• Clothing
• Washer and dryer

Coverage Limits

NFIP (National Flood Insurance Program)

• Building: Up to $250,000
• Contents: Up to $100,000

Private Flood Insurance

• Higher limits available
• May offer additional coverage options
• Often more flexible

Cost Factors

Flood insurance premiums depend on:

• Flood zone designation
• Elevation of your property
• Building age and construction
• Coverage amounts
• Deductible chosen

Waiting Period

Most flood insurance policies have a 30-day waiting period before coverage begins, so don't wait until a storm is approaching.

Texas-Specific Considerations

Texas faces unique flood risks:

• Hurricane Season: June through November
• Flash Flooding: Common in urban areas
• River Flooding: Affects many Texas communities
• Coastal Flooding: Storm surge along the Gulf Coast

Working with TGI Agency

We help Texas homeowners understand their flood risk and find the right flood insurance coverage. Whether you need NFIP or private flood insurance, we can help you:

• Assess your flood risk
• Compare coverage options
• Find competitive rates
• Understand your policy

Contact us today to discuss your flood insurance needs.