Flood Insurance in Texas

Your homeowner's insurance helps you protect your home. However, it has some exclusions. Damage caused by flooding is not covered in home insurance. For this reason, you need to have special coverage to protect you against floods. At Insurance Over Texas in Houston, TX, we offer flood insurance.

Why is flood insurance important?

Flooding is the number one natural disaster in the United States according to the Federal Emergency Management Agency(FEMA). All 50 states experience flooding. Low-to-moderate risk areas also experience flooding. Whether your home is in a high risk or low-risk area, having a National Flood Insurance Policy (NFIP) is vital. Rentals, businesses and other properties should also be protected by flood insurance.

What does flood insurance cover?

Flood insurance policy offers the following coverages:

Building property coverage

This coverage protects the physical structure of your home. The foundation, heating systems, electrical and plumbing systems, detached garage, and paneling are covered. If floods damage the physical structure of your home, this coverage pays the cost of repairing or replacing your home altogether.

Personal property coverage

This coverage protects your personal property. It pays the cost of replacing furniture, electronics, clothing, and other personal property if they are damaged by floods.


A basic flood insurance policy has some exclusions. While purchasing, it is important to know what is covered and what is excluded. The following are exclusions in a flood insurance policy

  • Cars
  • Precious metals and paper valuables like currency and certificates
  • Damage from moisture that one can avoid
  • Other living expenses and temporary housing
  • Fences, wells, and other outdoor property

A flood insurance policy will leave you financially secure after a flood. We at Insurance Over Texas Houston will help you protect your home, businesses, and properties from flooding. Call or visit us at our offices to get a policy tailored to meet your needs.

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