The Most Common Natural Disaster in the Country


They can occur anywhere—not just in coastal or waterfront communities. Floods generate from heavy rain, melting snow, dam and levee collapses and storms. An inch of water can cause property damage. Two feet can whisk your car away.

Texas & Louisiana Flood Insurance

Homeowners and commercial property policies exclude coverage due to damage from flooding (Note: Some victims of Hurricanes Katrina and Ike discovered this the hard way). To protect yourself from the common occurrence of flooding, you’ll have to purchase a separate flood insurance policy.

Keep in mind that Texas flood insurance policies have a 30-day waiting period unless the coverage is purchased at the time that you buy your property and is required by the lender.

Differing Requirements for Flood Insurance

Depending on where you live, there may be other factors that impact which type of flood insurance you can obtain:

  • If your property is located in a Texas coastal county or parts of Harris County, you may only be able to obtain windstorm coverage from a special insurance pool called the Texas Windstorm Insurance Association (TWIA).
  • If your property is located in a Louisiana coastal parish or other inland parishes, you may only be able to obtain windstorm coverage from a special insurance pool called the Louisiana Citizens Property Insurance Corp.
  • Certain Gulf Coast residents may have to buy flood insurance before they are even eligible for a TWIA policy or a Louisiana Citizens Property Insurance Policy.
  • Certain structures may have to be inspected by a TDI (Texas Department of Insurance) approved engineer or by a Louisiana Citizens Property approved inspector.

Confused? We’re not!

Texas Flood Insurance & Louisiana Flood Insurance Veterans

Complete the simple form on this page for a flood insurance quote.

As you see, in Texas and Louisiana, there are some quirks in the insurance performance and availability regarding flood insurance requirements for where you live. That’s why we will personally contact you after we produce your quote.

Texan Insurance is Texas based. We know and understand the area, especially the flood insurance requirements.

Texan Insurance
2501 E Sam Houston Pkwy S
Pasadena, TX 77503
(281) 998-2500