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★★★★★
"Never thought comparing home insurance could be this simple. Got 3 quotes instantly."
Sarah M.
Austin, TX
Flood Insurance for Texas Homeowners
Standard home insurance doesn't cover flooding — compare flood coverage options for your Texas home.
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About Flood in Texas
Texas experiences more flooding than any other US state. Hurricane Harvey alone flooded over 200,000 homes in the Houston area in 2017 — and the vast majority were not in designated flood zones, meaning most homeowners had no flood insurance. This is the defining home insurance gap in Texas: standard homeowners policies explicitly exclude flood damage. Not from heavy rain. Not from storm surge. Not from river overflow. None of it.
Flood insurance in Texas comes from two sources: the National Flood Insurance Program (NFIP), which is federally backed and available through most insurance agents, and private flood insurers who have entered the Texas market in recent years offering faster claims and sometimes broader coverage. Private flood insurance often provides higher coverage limits and additional living expense coverage not available through NFIP.
If your Texas home is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally-backed mortgage, flood insurance is legally required. But as Harvey demonstrated, meaningful flood risk exists far outside official flood zone boundaries across Houston, Austin, and other low-lying Texas areas. Comparing flood coverage options — including private market alternatives to NFIP — is the most effective way to close this gap.
Texas flooding is real — compare flood coverage before the next storm
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Frequently Asked Questions
Does Texas home insurance cover flood damage?
No. Standard homeowners insurance in Texas explicitly excludes flood damage from any source — rain accumulation, storm surge, river overflow, or rising groundwater. Flood insurance is a completely separate policy.
Do I need flood insurance if I'm not in a Texas flood zone?
Not legally — unless your lender requires it. But Hurricane Harvey flooded hundreds of thousands of Texas homes outside designated flood zones. Flood risk in Texas extends well beyond FEMA maps, particularly in the Houston area.
What's the difference between NFIP and private flood insurance in Texas?
NFIP (National Flood Insurance Program) is federally backed, widely available, and caps coverage at $250,000 for the structure. Private flood insurance can offer higher limits, faster claims processing, and additional living expense coverage. Private options have grown significantly in Texas in recent years.
How much does flood insurance cost in Texas?
NFIP premiums in Texas average $700–$1,200/year depending on flood zone and coverage amount. Private flood insurance varies widely by property and location. Properties outside high-risk zones often qualify for lower-cost private alternatives.
How long does it take to get flood insurance in Texas?
NFIP policies typically have a 30-day waiting period before coverage begins. Private flood insurance may have shorter waiting periods. Neither covers a flood event already in progress — planning ahead before storm season is essential.
What customers say
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Mike D.
Orlando, FL
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"Renewal quote jumped — ran a quick compare here and locked in stronger liability limits without paying more."
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Nashville, TN
