Hurricanes, tropical storms, and flash floods affect much of Texas. Flood insurance can help protect your home when your homeowners policy will not.
Shopping for flood insurance in Texas? Most Texas homeowners policies exclude flood. A Blue Peak advisor can help you compare NFIP and private flood options for your property.
From the Gulf Coast to inland cities, Texas homes face flood risk from storms and heavy rain. We help you plan ahead.
Flood policies are separate from homeowners insurance. Here is what they commonly include.
Building coverage can help repair your home's structure, foundation, electrical and plumbing systems, and built-in appliances after a covered flood.
Contents coverage is usually purchased separately and can help replace furniture, clothing, and electronics damaged by a covered flood.
Flood insurance is available through the National Flood Insurance Program (NFIP) in participating communities and from some private insurers.
NFIP policies usually have a 30-day waiting period before coverage begins. Ask about waiting periods for private policies too.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here are a few things Texas homeowners should review.
Storm surge is generally treated as flood, not wind. Coastal homeowners may need both flood and windstorm coverage.
Heavy rain can flood homes far from the coast. Many flood claims come from outside high-risk areas.
Most flood policies have a 30-day waiting period, so it helps to buy well before hurricane season.
Use these questions when you compare quotes or review your current policy:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell flood insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Flooding from hurricanes and heavy rain is not covered by a standard Texas home policy, and flooding in Houston and the Hill Country has reached many homes outside mapped high-risk zones.
Blue Peak works with homeowners, renters and businesses in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your flood insurance before you decide.
Most Texas homeowners policies do not cover flood. You can buy flood insurance through the NFIP or a private insurer.
Storm surge is generally considered flood damage, so it is usually handled by a flood policy, not a windstorm policy.
Most homeowners policies do not cover flood damage. A separate flood insurance policy is usually needed.
Cost depends on your property's flood risk, elevation, construction, coverage limits, and deductible. A quote is the best way to see pricing.
Many floods happen outside high-risk zones. Flood insurance can help protect your home even when your lender does not require it.
Flood damage is expensive and usually excluded from homeowners policies. Because of waiting periods, the best time to review flood coverage is before you need it.
Learn more about our flood insurance options, or see our guide to personal insurance in Texas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
