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Texas Department of Insurance
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Home, flood, wind:

Which policies do you need?

  Homeowners Flood Wind/hail
Why do you need it To protect your house and things. Most home policies don't cover floods. Most home policies on the coast don't cover wind and hail.
What does it cover? Damage from fire, lightning, theft, wind, hail, and more. Damage from rising water. Damage from wind and hail.
How do you get it? Call your homeowners insurance agent. Call your agent or find one at FloodSmart.gov. Call your agent or find one at TWIA.org.

Home, flood, wind: which policies do you need?