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Flood Insurance, Texas

Flood Insurance, Texas

Protect Your Property With Flood Insurance 

Flooding is the most common and expensive natural disaster in the U.S., and Texas is no exception. While homeowners insurance covers many risks, flood damage is not included. To safeguard your home, you need a separate flood insurance policy. 

 

What Should I Know About Flood Insurance?

A Homeowners policy doesn’t cover flood damage: You'll need a seperate policy for protection against flood-related losses.

Flooding is costly: Just one inch of water can cause over $25,000 in damage to your home.

Federal disaster assistance isn’t always enough: While it may help, it usually won’t fully cover the cost of recovery.

Floods can happen anywhere: Flooding isn’t limited to high-risk zones, with over 25% of claims coming from outside these areas.

 

How Much Does Flood Insurance Cost in Texas?

Affordable coverage: Flood insurance in Texas can start as low as $325 per year, depending on your location and risk factors.

Cost-effective protection: Compared to the potential cost of flood damage, flood insurance offers peace of mind and financial security.

It’s important to note that most flood insurance policies have a 30-day waiting period before coverage becomes effective, with some exceptions, such as when purchasing a new home. 

The exact cost will vary based on factors such as your home's location, elevation, and flood risk. 

 

Get Protected Today
Flooding can happen when you least expect it. Contact us for a free flood insurance quote and ensure your Texas home and belongings are fully protected!

 

Is Flood Insurance Required in Texas?

Flood insurance is not required by law in Texas, but it may be mandatory if:

You live in a high-risk flood zone: If your home is in a federally designated Special Flood Hazard Area (SFHA) and you have a mortgage from a federally regulated lender, flood insurance is required.

You have a government-backed mortgage: Loans from the FHA, VA, or other government agencies often require flood insurance if your property is in a high-risk zone.

Call us today to speak to one of our helpful agents, 972.991.9100

 

I Don't Live in a Flood Zone—Do I Still Need Flood Insurance?

Yes! Floods can happen anywhere: Over 25% of flood claims come from outside high-risk areas.

Low to moderate risk still matters: Homes in these areas are 5 times more likely to experience a flood than a fire over the next 30 years.

Other risks: Heavy rains, poor drainage, and even nearby construction projects can lead to unexpected flooding.

Floods aren't just tied to rivers and coastlines. They can occur due to storms, hurricanes, or overwhelmed drainage systems, regardless of your proximity to water.

 

What Does Texas Flood Insurance Cover?

Flood insurance in Texas provides essential protection for your home and belongings when floodwaters cause damage. Here’s what a typical flood insurance policy covers:

Building Property Coverage:

  • Structural damage: Covers damage to your home’s foundation, walls, and roof.

  • Electrical and plumbing systems: Includes coverage for wiring, plumbing, and HVAC systems.

  • Built-in appliances: Protects items like refrigerators, stoves, and dishwashers.

  • Flooring and carpeting: Covers damage to hardwood, tile, and other types of flooring.

  • Detached garages: Up to 10% of your building coverage limit can apply to detached garages.

 

Personal Property Coverage:

  • Furniture and electronics: Covers your furniture, televisions, and other personal items.

  • Clothing and personal belongings: Protects your wardrobe, bedding, and more.

  • Appliances: Includes washers, dryers, and portable air conditioning units.

  • Valuable items: Provides limited coverage for valuables like art and jewelry (usually capped at a certain amount).

 

What’s Not Covered?:

Flood insurance does not cover:

  • Temporary housing or living expenses while your home is being repaired.

  • Cars and other vehicles.

  • Damage caused by moisture or mold that could have been prevented.

  • Outdoor property like decks, pools, and landscaping.

 

 

Why Choose the Thumann Agency for Texas Flood Insurance?

We shop and compare quotes: As an independent agency, we work with multiple insurance carriers to find the best coverage for your needs.

Experienced and local: With over 28 years in the business, we understand the unique risks Texas homeowners face.

Personalized service: We’re here to help you through every step, from getting a quote to understanding your policy.

 

 

Contact Us Today
Protect your home from the unexpected. Get a flood insurance quote now and enjoy peace of mind, no matter where you live in Texas!