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Flood Insurance
Standard homeowners policies don't cover flooding. In Texas and Florida — two of the most flood-prone states in the country — that gap can be devastating.
Flood damage is specifically excluded from virtually every standard homeowners insurance policy. Many Texas and Florida homeowners discover this gap at the worst possible moment — after a hurricane, a tropical storm, or the kind of inland flooding that happens far from the coast. We help clients navigate both the National Flood Insurance Program (NFIP) and the growing private flood market to find the right fit.
NFIP vs. Private Flood Insurance
- ✓NFIP (National Flood Insurance Program) — Federally backed flood coverage available in participating communities; maximum dwelling coverage of $250,000
- ✓Private flood insurance — Often provides higher limits, broader coverage, shorter waiting periods, and sometimes lower premiums than NFIP
- ✓Private flood policies can cover contents, additional living expenses, and other items NFIP doesn't — at competitive rates
- ✓We compare NFIP and private market options for every client to find the best value
Texas & Florida Flood Risk Reality
- ✓Over 40% of NFIP flood claims come from properties outside designated high-risk flood zones — you don't have to be in a floodplain to flood
- ✓Hurricane Harvey deposited over 60 inches of rain on parts of Houston — most damage was from flooding, not wind
- ✓Florida has more flood insurance policies in force than any other state — and still has significant gaps in coverage
- ✓FEMA flood maps are often outdated and don't reflect actual risk — especially in fast-developing Texas metros
- ✓There is typically a 30-day waiting period for NFIP coverage to take effect — don't wait until a storm is forming
Get a Flood Insurance Quote