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Is Flood Insurance Required in Texas?

Whether you’ve just put a down payment on a home in Texas or you’ve been a proud Lone Star State homeowner for years, it’s important to make sure you’re doing everything you can to protect your property. While you may already have homeowners insurance, the truth is that it may not cover every damaging situation, like flooding. But do you actually need flood insurance?

In order to make the right decision for your home, it’s important to understand what Texas law says about flood insurance as well as other circumstances where it may be required. Serving the Tomball, TX area and beyond, our knowledgeable team at Great Southern Agency is here to help.

Is Flood Insurance Required in Texas?

For general homeowners, flood insurance is not legally required in Texas. But just because the law does not mandate flood coverage, that doesn’t mean you’re off the hook just yet! If you have a mortgage, there’s a strong chance you’re required as per the agreement to get flood insurance. If you’re unsure, it’s a good idea to go over your mortgage documents carefully with an insurance agent or give your lender a call for clarification.

Are Homes in Texas at Risk of Flooding?

Texas is a large state with a diverse landscape, not to mention differing amounts of precipitation. Many homes are in regions not considered at high risk of flooding, but many others are. According to the Federal Emergency Management Agency (FEMA), about 7 percent of homes in Texas are at high risk. 

For better clarification, it’s worth finding out what kind of flood zone your property sits in. For example, if you’re in a Special Flood Hazard Risk area, your home is considered to have a 25 percent (1 in 4) chance of flooding within 30 years.

Learn More About Your Flood Insurance Options Today

Even if your home is not in a high-risk zone, it’s important to be aware that your home may still have a chance of flooding. To learn more about your risk and your options for coverage, give us a call. At Great Southern Agency, we’re dedicated to helping homeowners across the Tomball, TX area get the right amount of protection for their homes.