There are about 5.3 million home insurance policies in Texas, but only about 753,000 federal flood policies. That means only about 14% of Texas homeowners are covered by flood insurance.
Most home and renters policies don’t cover flood damage. You need a separate flood insurance policy to cover your home from rising flood water.
The Texas Department of Insurance encourages all Texans to consider flood insurance. Even a small amount of water can cause thousands of dollars of damage. If you don’t have flood insurance, you’ll have to pay for those repairs on your own.
More resources about flood insurance:
- Why you need flood insurance (video interview with FEMA)
- Visit the National Flood Insurance Program at Floodsmart.gov
