Texas Homeowners Insurance Does Not Cover Flood Damage

It may come as a surprise to learn that homeowners insurance policies in Texas and across the nation do not cover structural damage or damage to contents caused by floods. In fact, a separate policy is necessary to protect yourself from the ravages of water and the loss that too much of it can cause. You may think that you do not have to worry about flooding because it has never flooded in your town or part of the state of Texas. Nothing could be farther from the truth.

Whether you know it or not, flooding turns out to be the most frequent type of natural disaster in Texas and most anywhere. Floods can also happen at most any time and most any place. You do not even have to reside anywhere close to water to be a victim of the ravages of uncontrolled water. In every part of the United States and most parts of Texas, hurricanes and tornados cause floods, overflowing lakes and rivers can cause inland flooding, and flash floods from simply too much rain too quickly can occur. Sadly, it only takes a few inches of water to create damage to the tune of literally tens of thousands of dollars.

It is no good waiting to upgrade from standard Texas homeowners insurance to flood insurance until the rain waters are already falling. Even though you may never have witnessed a flood in your town or community, you are at risk of one at an unpredictable time. Remember the truth that anyplace that it rains, it can and may flood. Floods can be as localized as two or more acres that are typically dry becoming overwhelmed by mudflows or water.

All of this is why residents of Texas need something more than just homeowners insurance to protect their homes against floods. Flood insurance is that additional hedge of protection for a great many homeowners. Once you have flood insurance and not just homeowners insurance, your house is protected should groundwater rise and your home be flooded. Some people take this insurance on optionally, and others are required to have it by their mortgage holder if they live in a higher flood risk zone.

The National Flood Insurance Program, or NFIP, suggests that everyone in America goes beyond homeowners insurance and gets flood insurance. This is because the flood-causing situations like melting snow, heavy rain, and coastal severe weather can and do happen practically everywhere. The scary truth is that one out of five flood insurance claims originates from a person and place that is considered to be medium- or even lower-risk areas. If you are interested in learning the chances of having a flood in your Texas community, simply go to www.floodtools.com. This ingenious tool utilizes elevation and rainfall to determine your actual risk level.

In the end wherever you get your flood insurance policy from, it should cost you the same. This is because it is all backed by the government’s National Flood Insurance Program anyway. There is no reason to live in fear of a flood when flood policies can be had for as little as starting at $129 each year. Do not just trust in your homeowners insurance, as this homeowners insurance will not save you from the devastating effects of a flood.