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What Is Flood Insurance?

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 an important coverage to consider.

How Can I Purchase Flood Insurance?

NATIONAL FLOOD INSURANCE PROGRAM

PRIVATE INSURANCE COMPANIES

Flood insurance can be acquired through private insurance companies or through a federally regulated program called the National Flood Insurance Program (NFIP). Flood insurance can cover the physical structure and contents within it for both residential and commercial properties. NFIP coverage only covers up to:

$30K-500K

for each injured person

$60K-500K

for injuries per incident

$25K-500K

for property damage

You can purchase Excess flood coverage to increase the amount protected since the federal program only covers up to the amounts listed above.

What Does Flood Insurance Cover? What Does It Not?

Flood insurance coverage can vary if purchased through private insurance companies versus through the NFIP. The table below can provide you a brief comparison when purchasing flood insurance through the feder- al government versus a private insurer:

It’s important to note that not all properties qualify for private flood insurance. Talk to an independent agent who has access to multiple private flood markets to ensure you are looking at all options available to you.

How Much Does Flood Insurance Cost in Texas?

The cost of flood insurance depends mainly on the flood zone, the elevation of your home, the amount of cov- erage selected, and the deductible.

If you are in a preferred/moderate risk zone, like Zone X, the cost of flood insurance through NFIP is very affordable. The following table outlines the cost by coverage amount in a preferred zone:

What is a Flood Zone?

Every property is assigned a flood zone by FEMA, and over 20,000 communities are in higher risk flood zones, meaning that they are more susceptible to flood risk. The following table outlines flood zones and their characteristics:

If your property is in a high-risk zone, the cost will vary based on the elevation of you home. We recommend obtaining an elevation certificate, although some private insurers may not require one.

You can obtain a copy from the current owner of the home or property and if they do not have one, we can recommend a licensed land surveyor for you.

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When is Flood Insurance Required?

Lenders will often require flood insurance for properties located in high-risk areas. Even if the property is not located in a high-risk area, the lender can still require flood insurance coverage.

It’s important to understand your mortgage contract and what is necessary prior to purchasing or refinancing your home.

If flood insurance is purchased prior to or on the date of closing or refinancing, there is no waiting period for your flood insurance policy to become effective. If not, a standard 30-day waiting period is required before the policy can go into effect.

Flood insurance is provided by the NFIP, but several companies manage and administer the program. We recommend that home- owners purchase their home and flood policies from the same com- pany if possible. That way, if there is a claim involving both policies, you have a higher chance of only dealing with 1 claims adjuster.

How Do I Determine If I Need Flood Insurance?

Some lenders will require you to carry flood insurance if your home is located in a high-risk flood area, as determined by FEMA’s flood zones.

If the lender does not require it, you should still assess your risk of flood damage. According to FEMA, 20% of all flood claim payouts occurred outside high risk flood zones.

Because flood insurance is highly subsidized by the federal government, it can be a relatively inexpensive product to purchase to give you peace of mind to protect one of your most important investments.

Texan Insurance agents are experts and will analyze your home’s specific risk level.

How Much Flood Insurance Coverage Do I Need?

Determining the exact amount of coverage you need will require the help of a Texan Insurance agent who can assess the specifics of your situation. Critical factors include the location/flood zone of your property, the coverage amount of your home insurance policy, and the amount of personal possessions that need coverage.

Call us at 281-998-2500 or click below to get started!

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