Texas Flood Insurance 

Texas is a very flat state, and in lowland areas like the Gulf Coast we face significant risks of flooding, be it from hurricanes, river swells or even just severe thunderstorms. That’s why you probably have put a lot of thought into making your home strong enough to withstand such a catastrophic event. 

You might be shocked to learn that your homeowners insurance will not cover flood damage. Still, you shouldn’t let yourself go without such essential coverage. You can generally get flood insurance either through the National Flood Insurance Program (NFIP) or through a private policy. In either case, you’ll receive top-rated benefits that offer far-reaching protection.  

The experts at Avalon Insurance Agency have years of experience serving residents of Houston, The Woodlands, Spring and all of Texas. We’re the place to come when you want expert guidance on choosing the plan you need. 

To get a policy quote, just contact us: 

• Houston: (713) 283 – 52020

• The Woodlands: (281) 210 – 1177

• Get a Quote Online Now

Common Flood Insurance Questions 

Why is flood insurance important? 

Just like hail, lightning strikes or high winds, floods are unpredictable weather events that could damage your home. Even if your home has never flooded before, that doesn’t mean it won’t. Therefore, you’ll want to protect your dwelling and the contents inside in case such a flood ever occurs. Flood insurance is the resource you can use to make repairs and replace damaged belongings. 

However, because most standard home insurance policies will not cover flooding, you’ll have to buy flood insurance separately. It’s much more affordable to pay a regular premium on your policy than to go completely uninsured if a flood ever does occur. 

How can I buy flood insurance? 

The flood insurance marketplace is tightly regulated in most communities. Most people receive their coverage by buying a plan underwritten by that National Flood Insurance Program.  

Though NFIP plans are underwritten by the United States government, residents still can buy their actual plan through a major insurer that offers it. By participating in the NFIP, communities across the United States enable their residents to buy an NFIP-backed plan. They also work with the program to define high-risk flood zones in their area and make their community safer against floods. 

What does flood insurance cover? 


Plans limit the coverage available on high-value items like jewelry and art, and certain portions of your basement will not have coverage either. 

If you are concerned that an NFIP plan might not be adequate for your property value, then speak to one of our agents. We can help you find a private flood plan that is more customizable to your needs. 

Where is flood insurance required? 

Because the NFIP is a government-backed program, certain homeowners are required to buy this coverage. You must buy coverage: 

• If you live in a designated high-risk flood zone, and you have a mortgage backed by a federally-insured lender.Some lenders require residents to buy this coverage regardless of the two previous qualifying factors.

• If you live in a high-risk flood zone and have ever received disaster assistance through FEMA or through the U.S. Small Business Administration (SBA). If you do not buy a policy, then you will no longer be eligible then you will not qualify for such assistance in the future.

Even if you don’t have a requirement to buy flood insurance, it’s always a good idea to consider doing so. Though you might not think your home will ever flood, every property faces this risk.  

Talk to one of our agents to determine which flood insurance options are best for you. We recommend that you have your plan in place from the moment you close on a home purchase. We’re committed to working with you to ensure you receive the right benefits at the right time.