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Flood Insurance in The Woodlands, Texas

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Flood Insurance for The Woodlands

The Woodlands is one of the premier Houston suburbs. Right now the Woodlands does not experience flooding like other areas in Houston. But, as its population continues to grow and its infrastructure continues to develop, that could change in the near future. On top of that, it’s important to remember that ANY area can flood in Houston at any time.

Homeowner’s insurance does NOT cover outside flood damage so it’s important to make sure your home is protected from rising water. Talk to a Texan Insurance agent about your flood insurance options.

The Woodlands 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 the Woodlands.

As you can see the Woodlands is at a lower risk of flooding, but that doesn’t mean your home is immune to rising water!

*Map subject to change. Visit https://www.houstonchronicle.com/projects/trackers/houston-flood-map/ for more information.*

Flood Facts

Here are some important facts to note when considering flood insurance.

Risk

  • Floods are the #1 natural disaster in the United States.
  • Just an inch of water can cause costly damage to property. As little as six inches of moving water can knock you off your feet or move your car.
  • Everyone is at risk.
  • Homeowners’ insurance doesn’t cover flood damage.
  • More than 50 percent of properties in high-risk areas remain unprotected by flood insurance; all properties in high-risk areas need to be protected with flood insurance.
  • Between 20 and 25 percent of all flood insurance claims are filed in low-to moderate-risk areas.
  • New construction can increase flood risk, especially if it changes natural runoff paths.
  • More than 5 million Americans are protected with flood insurance but millions more are unaware of their personal risk for property damage or options for protection.
  • For buildings in high flood risk areas, there is a 26 percent chance of experiencing a flood during the life of a 30-year mortgage, compared to a nine percent chance of experiencing a fire.

Impact

  • Flood losses in the United States averaged $2.4 billion per year for the last decade.
  • Federal disaster assistance is usually a loan that must be paid back with interest and is only available when a disaster has been federally declared.
  • In the last 52 years, nearly 1,000 flood events have been designated as federally declared disasters.
  • Nearly 75 percent of all federally declared disasters over the past five years involved flooding.

The Woodlands Property Protection Measures

Purchasing flood insurance isn’t the only thing you can do to protect your home and your belongings. Home and business owners can protect themselves from future floods or reduce the effect of future floods in other ways, including:

  • Localized drainage grading
  • Elevating the structure
  • Floodproofing the structure
  • Facilitating future evacuations

Residential property owners should always remember to never block the natural path of stormwater runoff to lower their risk of flooding. Before you decide to make landscaping improvements to your yard, including the construction of a pool, make sure that you are not interfering with the path of stormwater runoff and inadvertently causing damage to your property or the surrounding properties.

Call us at 281-998-2005 to get started!

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