What Does Flood Insurance Cover?
Flood insurance is a separate policy specifically designed to cover damage caused by flooding — which your standard homeowners policy explicitly excludes.
Building Property Coverage
Covers the physical structure of your home — foundation, walls, floors, electrical and plumbing systems, HVAC equipment, water heaters, and permanently installed appliances and carpeting.
Personal Property Coverage
Covers belongings inside your home: furniture, electronics, clothing, portable appliances, and valuables. Note: personal property coverage must be purchased separately from building coverage.
What's NOT Covered
Standard flood policies don't cover landscaping, swimming pools, patios, decks, fences, basement improvements, currency, precious metals, or temporary housing costs. Private flood policies may offer broader options.
FEMA/NFIP Policies
The National Flood Insurance Program (NFIP) offers federally backed flood insurance available to properties in participating communities. NFIP has standard coverage limits up to $250,000 for buildings and $100,000 for contents.
Private Flood Insurance
Private flood insurance often offers higher coverage limits, shorter waiting periods, and additional coverages not available through NFIP. We'll help you compare both options for your situation.
30-Day Waiting Period
Most flood insurance policies have a 30-day waiting period before coverage takes effect. Don't wait for a storm to be forecast — buy flood insurance today before you need it.
Why Flood Insurance Matters in Texas
Texas Flood History
Texas has experienced some of the most devastating floods in U.S. history — including Hurricane Harvey (2017), which caused over $125 billion in damage. Flooding is the most common and costly natural disaster in Texas.
Outside Flood Zones
Don't assume you're safe because you're not in a designated flood zone. According to FEMA, over 20% of flood claims come from outside high-risk flood areas. Low-to-moderate risk doesn't mean no risk.
Your Homeowners Won't Help
Standard homeowners insurance explicitly excludes flood damage. The only way to protect your home and belongings from flooding is a separate flood insurance policy — and we're here to help you get one.
A Local Agent Who Works for You
With 284 five-star Google reviews and 17+ years of experience, Hunter Chaumont knows how to find the right coverage at the right price.
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