Flood insurance in Houston Texas

Your home policy does not cover water that comes in from outside. We explain exactly what you need before the next storm, not after.

Your home insurance does not cover flooding

This is the confusion that costs Houston Texas families the most. A standard home policy covers fire, theft, vandalism, hail and wind. Water damage that comes in from outside is not included and requires a completely separate policy.

Houston has lived through this several times. Thousands of families who believed they were covered discovered after a storm that their policy did not respond for the water that entered the house.

What a flood policy covers

• Building structure: foundation, walls, electrical system, plumbing, air conditioning and heating.
• Contents: furniture, appliances, clothing, electronics and personal belongings.
• Cleanup and debris removal after the event.

Structure coverage and contents coverage are purchased separately. Our agents explain which one fits your situation depending on whether you own or rent.

Policy types we handle

• NFIP: the national program backed by the federal government, with defined coverage limits and the best-known option.
• Private policies: often offer higher limits, shorter waiting periods and better pricing. We compare both for you.

Do you need flood coverage outside a high-risk zone?

A significant share of flood claims in the United States come from properties outside high-risk zones. In Houston Texas, a heavy downpour and saturated drainage is enough to put water into a house that had never flooded before.

If your home is in a high-risk zone and you carry a mortgage, the lender almost always requires this coverage. Outside those zones the premium is usually considerably lower, which makes it accessible protection.

What we need to quote you

• The exact property address
• Year built and foundation type
• Whether there is a basement or an elevated first floor
• Whether the property has flooded before

Frequent questions