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Flood Insurance

If it can rain, it can flood. And your home insurance policy doesn’t cover flood damage. To make sure your property is covered, you’ll need a separate flood policy.

The risk

If your home is in a designated flood zone, your lender requires you to have flood insurance. A flood zone is an area that has a 1% chance of being flooded in any given year. But floods can happen anywhere. On average, 40% of the National Flood Insurance Program (NFIP) flood insurance claims occur outside the high-risk flood areas.

Texas is particularly prone to floods, especially in two large parts of the state: the coast and a wide band called Flash Flood Alley that extends through Central and North Texas. Almost every major city in Texas is in an area at high risk of flooding.

What’s covered

A flood insurance policy can offer coverage up to $250,000 for your home. You can also purchase additional coverage for your contents up to $100,000.

There’s a wait

Most flood policies have a 30-day waiting period before kicking in so don’t wait for an approaching storm before deciding to buy coverage, call us today!