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Texas Department of Insurance
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May 2023

Why you should consider a flood insurance policy


person stiing on high ground looking at flooded street

Most home insurance doesn’t cover damage from flooding after a storm.

Think you’re not at risk? Well, on average, 60% of all U.S. flood damage occurs in low-risk flood areas.

Even a small amount of water can cause thousands of dollars of damage. If you don’t have flood insurance, you’ll have to pay for those repairs on your own.

So, consider shopping for a flood policy.

Homeowners who get a standard National Flood Insurance Program (NFIP) policy can insure their home for up to $250,000 and also cover up to $100,000 in belongings. Renters can also get NFIP coverage for up to $100,000 in belongings.

With hurricane season starting in June, now is a good time to contact your agent or insurance company about buying a flood policy. Plans usually take effect 30 days after purchase.

Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit