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Flood Insurance Katy
Katy is a wonderful place to live. However, location, geography, and climate are all factors in occasional rainstorms that can lead to serious flooding. Flood damage is not covered by any home insurance policy. To make sure your losses are covered in the event of a flood, you need to have flood insurance. Texan Insurance agents are here to help.
Katy Flood Map
Flood hazard maps, also called “Flood Insurance Rate Maps” or “FIRMs” are important tools in the effort to protect lives and properties in Katy.
People moving to the Katy area are often concerned about Katy flood zones. The good news is that most Katy neighborhoods are located out of Special Flood Areas. A few areas are in 500-year Floodplain and a few more are near creeks and bayous that put them in the 100-year Floodway.
*Map subject to change. Visit https://www.houstonchronicle.com/projects/trackers/houston-flood-map/ for more information.*
If I’m not in a higher risk flood zone should I still get flood insurance?
Anyone living in the Houston region should be prepared for hurricanes and flash flooding. History means nothing when it comes to flooding. Each time we experience a major flood, you will see many flooded homeowners on the news saying something like, “We’ve lived here over 30 years and never flooded before.”
Just because a home has never flooded before, does NOT guarantee it will not flood in the future. It just means it has a lower risk for flooding. Likewise, just because a home flooded during Hurricane Harvey, does NOT mean it will ever flood again.
Flood is Not Covered by Homeowners Insurance
Did you know most home insurance policies don’t come with flood coverage? Flood insurance protects you from damage done to your home and personal possessions by rising water from an outside source like street flooding. It is NOT part of a standard homeowner’s policy and must be purchased separately. Recent weather events across Texas and the United States have demonstrated the devastation that flooding can cause, so it’s essential coverage to consider.
If you’re not in a high-risk area, you probably don’t spend a lot of time worrying about water damage to your home or property. But the fact is, approximately one-quarter of all flood loss occurs in areas considered to be low to moderate risk for flooding.
No matter how safe you think you are, houses in every type of location suffer flood damage. And recent changes in weather patterns have triggered numerous highly publicized cases of rivers and lakes overflowing and leaving supposedly “safe” zones deep underwater.
In fact, did you know that floods are the most costly natural disaster in the U.S. every year? Flood losses total more than a billion dollars annually. Thousands of families have not only lost their homes but suffered utter financial ruin due to flooding. Many mistakenly believed their homeowner’s policy would protect them, only to find out the hard way that the typical homeowner’s policy doesn’t cover flood damage at all. Learn more about flood insurance here.
What Your Flood Insurance Policy Will Cover
What’s Covered
NFIP policies have maximum coverage limits of $250,000 for home structure and $100,000 for its contents. As mentioned, you can opt for private flood insurance. Policies cover electric systems, HVAC systems, plumbing systems, carpeting, installed features such as bookcases and cabinets, appliances, personal property, foundations, and support structures. Ten percent (10%) of dwelling coverage can go towards your detached garage.
What’s not covered
There are numerous exclusions in an NFIP policy. Some of these include earth movement (sinkholes), damage from a sewer backup, lost income, your vehicle (which would be covered under a comprehensive auto insurance policy), relocation costs, and detached property.
Your Flood Insurance Options
Most flood insurance policies for homeowners are written through the National Flood Insurance Program. The National Flood Insurance Program or NFIP is a program that allows property owners in participating communities to purchase flood protection administered by FEMA. You can secure a Katy flood insurance policy through Texas Insurance Agency.
Private flood insurance plans for homeowners are available. You do not have to secure flood insurance that is backed by the NFIP. Texas Insurance Agency partners offer private flood insurance plans that exceed NFIP limits.
Flood Insurance FAQ
Is flood insurance required?
What flood zones require flood insurance?
Do I need flood insurance?
Why Doesn’t Homeowners Insurance Cover Flooding?
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