Texas Flood Insurance - NFIP

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Floods cost a lot.  Flood insurance doesn't.  Protect yourself and your home.  Complete this form and get a quote for Flood insurance...

Texas Flood Insurance

Flooding is the most common natural disaster.

  • Floods can occur almost anywhere at anytime. You don't need to live near water.
  • Flash floods, inland flooding and seasonal storms bring flooding to every region of the country.
  • Just inches of water can cause tens of thousands of dollars in damage.

Most homeowners insurance does not cover floods.

  • Only flood insurance financially protects your home and your personal property from floods.
  • A flood insurance policy compensates homeowners, renters and business owners for all covered losses, and as opposed to a disaster loan, there is no payback requirement.
  • The average flood insurance premium is around $500 a year. Outside of high-risk areas, premiums start as low as $119 a year.
  • Once purchased, there is a 30-day waiting period for the policy to become effective, so don't wait to buy it!

You can purchase flood insurance no matter what your flood risk is.

  • It doesn't matter whether your flood risk is high or low, you can buy flood insurance as long as your community participates in the National Flood Insurance Program.
  • You can get flood insurance if your house has been flooded before, and you can purchase it even if your mortgage doesn't require it.
  • About 25 percent of all flood insurance claims come from low- to moderate-risk areas.

Preferred Risk Policies provide protection at the best price.

  • For just $119 a year, homeowners can purchase a minimum of $20,000 building and $8,000 contents coverage ($25 more if there is a basement).
  • Renters can pay as little as $39 per year for $8,000 contents coverage.
  • Business owners can buy $50,000 building coverage and $50,000 contents coverage (per building) for just $550 per year.
  • Business owners who lease their space can purchase $50,000 contents coverage for just $145 per year.
  • To qualify for a PRP, the property must be located in a low to moderate risk zone.


Texas Insurance Place - FEMA - NFIP - Flood Policy Summary.pdf



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