Texas Flood Insurance, Houston Texas is in an area prone to hurricanes and tropical storms, which often means heavy storm surges and high rainfall levels. The elevation of the city is essentially at sea level and the ground is mainly composed of clay that doesn’t absorb water very well. According to FEMA, the majority of Houston is at an elevated risk of flooding each time one of these storms hits. Heavy storms and debris can also cause levees to brake and drainage system to clog and back up, which results in flooding as well. Whatever the cause of the flood, extensive water damage is difficult and very expensive to repair.
What Does Houston Flood Insurance Cover?
Texas Flood Insurance policies offer two types of coverage, one for the structure and the other for its contents. You can opt to purchase only one type of coverage or both, depending on your situation. Most homeowners purchase both. If you rent your home, however, you may only want contents coverage. On the other hand, a landlord might only want structural coverage.
Building coverage includes compensation for damages to the structure of the home including its foundation, furnaces and air conditioning units, plumbing and electrical systems, built-in appliances, and permanently installed carpeting over unfinished floors. Contents coverage includes compensation for loss or damage to furniture, clothing, curtains, electronics, flooring, and portable appliances such as window air-conditioners.
Flood Insurance is not included in your homeowners policy and it has to be purchased separately, so make sure you understand what is and is not covered on your Houston homeowners or flood insurance policy. In most cases, these policies also do not go into effect until 30 days after they have been purchased, so do not wait until heavy rains make flooding imminent.
Top 5 reasons you need a Texas homeowner’s flood insurance policy:
- Your Houston homeowner’s insurance policy will not cover your house for any flood related losses.
- A Texas flood insurance policy must be purchased separately from your Texas homeowner’s policy.
- According to FEMA, 30% of the annual flood damage in Texas happens to properties outside of a known flood risk area (100-year floodplain).
- Protecting your home and belongings with flood insurance is far less costly than cleaning up after the fact, and much more secure than depending upon aid from a Presidential Disaster Declaration. Even if such a declaration is made for your area, it can be a long time before any money arrives.
- Texas flood insurance policies are cheap and affordable.
Why put your home, family, and belongings at risk? Request a free flood insurance quote today and protect your property from any flood damage. You do not have to be in a flood zone to purchase a flood policy, about 30% of the Houston homes flood in preferred non flood zones.
Rates for a typical Flood Insurance Policy in Houston Texas start from $425/Year