Texas Flood Insurance
(Quotes, Cost & Coverage)

Need Flood Insurance?

Request A Quote



Get Texas flood insurance quotes, cost & coverage fast with the National Flood Insurance Program (NFIP). Keep your TX home and property protected from flood damage.

TX Flood Insurance

Flood Insurance ⋆ Get Quotes & Rates Fast

When it comes to Texas flood insurance and your condo, renters and homeowners insurance there are some important points to keep in mind.

A common question is, "I already have TX homeowners, renters or condo insurance - am I already covered?" The simple answer No. It is important to be aware that a standard homeowners, condo or renters policy does not cover damages resulting from a flood.

Homeowners, condo and renters insurance typically cover dwelling damage that comes from the top down; like as rain and wind damage, or originates inside like fire or burst pipes - but it doesn't cover rising water and flooding. This is why you might want to consider purchasing a Texas flood insurance policy.

There may be a waiting period for your TX flood policy to take effect. For example, there is a 30-day waiting period for National Flood Insurance Program (NFIP) flood insurance policies to become effective. This is why you can't wait until you see a big storm on the weather channel, or wait until hurricane season to buy flood insurance for you home, apartment or condo.

Next, a "flood" is generally defined as "a temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:

Do You Need Flood Insurance?

Now, in case you think that Texas flood insurance is only for homes that are on or near the water, that's not necessarily the case. For example, even if you live several miles away from water flood waters can still reach your home, as happened during hurricane Sandy. In fact, nearly 25% of flood insurance claims are paid on policies in low-to-moderate-risk areas.

What's more, it's not always a major body of water, or even a major storm, that causes a flood. Things like a broken sewer line to a slow moving rainstorm can cause flooding. Furthermore, experts say your home has a 26% chance of being damaged by a flood over the life of a 30-year mortgage.

Your mortgage company may require you to get TX flood insurance if you live in a high-risk area, and this extra expense often surprises home buyers.

If you own a TX business, you can learn about Texas commercial flood insurance.

How Much Does Texas Flood Insurance Cost?

How much does Texas flood insurance cost? This is the question most on people's mind when they are shopping for a flood policy. Because flood insurance is not a one size fits all, and there are many factors that are taken into consideration in your premiums - the easiest way to get flood insurance rates is to contact an agent to discuss your situation. Then you can get an accurate flood insurance quote to see the cost.

Below are some of the main factors that make up the cost of Texas flood insurance for your apartment, condo or home:

Read more on the Texas Water Development Board page. You can also look up your flood zone at: FEMA Flood Map Service Center: Search By Address.

How Can I Buy Texas Flood Insurance?

Homeowners Flood Preparedness

Although flood insurance has only been available to homeowners or renters through the NFIP, it is now available through private insurers, including surplus lines insurers. This means more options when you are shopping for flood insurance.

When buying flood insurance, it is important to consider the kind of coverage you need. There are limits to these policies - the highest amount your policy will pay for a covered loss. If you have damage or losses over the amount of your policy limit, you are responsible for those costs.

Insurance companies write different types of flood insurance policies including dwelling - the structure of your home - up to $250,000, and its contents - your personal property within the dwelling - up to $100,000.

If you want to cover your dwelling and property for more than the NFIP's maximum limits, you may be eligible to purchase additional coverage known as an excess flood insurance policy.

TX Flood Insurance Quotes

Texas Insurance

Request a Texas Flood Insurance quote in Abilene, Allen, Amarillo, Arlington, Austin, Baytown, Beaumont, Brownsville, Bryan, Carrollton, College Station, Corpus Christi, Dallas, Denton, Edinburg, El Paso, Flower Mound, Fort Worth, Frisco, Garland, Grand Prairie, Houston, Irving, Killeen, Laredo, League City, Lewisville, Longview, Lubbock, McAllen, McKinney, Mesquite, Midland, Mission, Missouri City, Odessa, Pasadena, Pearland, Pharr, Plano, Richardson, Round Rock, San Angelo, San Antonio, Sugar Land, Temple, The Woodlands, Tyler, Waco, Wichita Falls and all other cities in TX.

Texas Insurance Rules And Regulations

In Texas, there are certain regulations governing insurance that you should be aware of. We will be discussing some of the personal and business insurance types that are mandated by law, as well as insurance types that are not necessarily mandated by law but may be useful. For example, almost every business out there carries commercial liability insurance even though there is no law stipulating that general liability must be carried by a business in order to operate within the state. We'll be looking closely at the regulations and these types of insurance in TX.

Texas Business Insurance

When it comes to business insurance, there is one type of insurance that is most common above all others - general liability insurance. This is sometimes called commercial liability insurance, and it provides payments for those businesses that have legal trouble as the result of something happening on their premises. There are many different things that general liability covers, and since businesses do not have total control over what can happen on their property, most business carry it.

However, there are also certain types of business insurance that are required by law. However Texas is a lot less stringent when it comes to insurance than most of the states out there. In fact, the only type of insurance that you can apply to business that is regulated by law is the state-mandated insurance limits that are required for drivers. Most states require Workers Comp, and most of them also require commercial auto insurance for commercial vehicles. However, Texas does not have this requirement.

TX Personal Insurance

There are a couple of different types of insurance that will be discussing in this section. Many states require that commercial vehicles carry commercial auto insurance, but in Texas, it is simply required that all drivers carry $30,000 for bodily injury liability for a single person and $60,000 per accident as well as $25,000 for property damage. This is sufficient for both personal insurance and commercial insurance.

As for life insurance, they are regulated by certain state statutes in Texas and cover things like a 30 day grace period for payments and protection of death claim from bankruptcy. These are the only two types of life insurance regulations that are present within the state of Texas. Texas does not provide a free look mandate like many of the states out there.


If you are looking for state specific flood insurance quotes, costs and information: California Flood Insurance, Colorado Flood Insurance, Delaware Flood Insurance, Florida Flood Insurance, Illinois Flood Insurance, Kentucky Flood Insurance, New Jersey Flood Insurance, New York Flood Insurance, Oregon Flood Insurance, Pennsylvania Flood Insurance, Texas Flood Insurance, Washigton Flood Insurance.

More Information on Flood Insurance

Floods can happen suddenly and can do tremendous amounts of damage. Following is some more useful information about flood insurance polices:

Want A Flood Insurance Quote?

Request A Quote

Contact EK Insurance to find out how much flood insurance costs.