Texas has historically had a high level of flood risk for several reasons. Factors include frequent hurricanes, a large costal area, rapid development affecting drainage, large areas of land near sea level, and other factors.

Does my homeowners insurance include flood coverage?

No.

Will the federal government?s disaster programs reimburse me for flood damage to my property?

Generally not, disaster assistance is usually in the form of loans that you would have to pay back.

How does the risk of flooding compare to the risk of fire?

Floods are five times more likely to occur than a fire.

If I am renting a home can I get coverage just for my personal property?

Yes.

What is a typical cost for Texas flood insurance?

That depends on your flood zone and how much coverage you get. If you qualify for the preferred rate, you could get $100,000 coverage for your home, plus $40,000 in contents coverage, for $233 per year.

Can I purchase a flood policy and have it start immediately?

In most cases there is a 30 day waiting period for coverage. An exception can be made for flood coverage required by a lender.

Do you sell flood insurance by phone?

Yes, call us toll free at 1-866-426-5800.

Why should I consider flood coverage if my home has never flooded before?

Many flood claims are made every year for property that did not have previous flooding. According to the FEMA website, everyone lives in a flood zone. If your location has a low risk level the cost of flood coverage will be very low.

What is an elevation certificate and why would I want one?

If you live in an area that is zoned as increased risk of flooding an elevation certificate might reduce your cost of flood insurance. In the higher risk areas you may not be able to get flood insurance at all without an elevation certificate. In many cases people can save hundreds of dollars per year with a certificate so it can be a very good investment.

Why should I buy flood insurance from your company?

We are a Houston Farmers insurance agency and sell coverage backed by the federal government. You have the security of buying from a company with a trusted brand name. We are very experienced with flood insurance and will help you get the right coverage with superior service. We sell flood insurance anywhere in Texas. Call us now:

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