Houston Flood Insurance

Local Houston, Texas area insurance agents offering affordable flood
insurance policies in the following cities and counties: Pasadena, Deer
Park, Pearland, Galena Park, Jacinto City, La Porte, Bellaire, West
University Place, North Houston, Cloverleaf, Beaumont Place, Spring
Valley, South Houston, Hilshire Village, Humble, Houmont Park,
Friendswood, League City, Alvin, Mission Bend, Sugar Land, Stafford,
Missouri City, Texas City, Webster, Dickinson, Baytown,
Channelview, Highlands, Seabrook, Bacliff, La Marque, Jersey Village,
Town West, Westfield, Kingwood, Spring, The Woodlands, Liberty,
Conroe, Tomball, Hempstead, Galveston, Crystal Beach, Lake
Jackson, Algoa, Santa Fe, Juliff, Arcola, Needville, Katy, Dayton,
Angleton, Beaumont, Port Arthur, Bammel, Kohrville, Manvel, Bay
City, Beasley, Rosenberg, Richmond, Orchard, Fulshear, Brenham,
Addicks, Brookshire, San Felipe, Hockley, Prairie View, New Caney,
Beach City, Nassau Bay, Harris County, Fort Bend County, Brazoria
County, Galveston County, Montgomery County, and Liberty County,
TX.

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Personal Insurance

Houston, TX Flood Insurance Policy

Even though flood insurance is relatively inexpensive, most
homeowners do not choose to purchase the insurance protection
available. According to the Federal Insurance Administration, less
than one-quarter of the homes in areas most vulnerable are insured
against flood loss. In those areas, flooding is 24 times more likely to
occur than a fire during the course of a typical 30 year mortgage.

A standard homeowners insurance policy will not cover damages
caused by flooding. You must have flood insurance from an insurer
that writes for the National Flood Insurance Program. If your
community participates in a floodplain management program, you
should be eligible to buy the coverage no matter if your flood risk is
low, medium or high. Residents of "coastal barrier areas" and
communities that do not participate in floodplain management
programs may have trouble finding flood insurance coverage.
Houston, Texas area flood insurance is also available to renters,
condominium owners, and co-op owners.

Houston, TX Flood Perils Include:

Unusual & rapid accumulation of runoff or surface
waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

The washing away, collapse, or subsiding of land along
the shoreline due to erosion or undermining of waves or
currents exceeding the cyclical levels

Sewer backup caused by flooding

Outside of fire, flooding is the most widespread natural disaster.
According to the National Flood Insurance Program, two adjacent
properties have to be under water to call the situation a flood. In a
rural area, at least 2 acres must be submerged.

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

The two primary types of Houston area flood insurance
policies are listed below.

Actual Cash Value Policy

The value of property as figured by determining the cost to
replace the damaged or destroyed property and adjusting the
replacement value by subtracting an amount that reflects
depreciation. Or in other words, replacement cost minus
depreciation. Houston, TX area homeowners are entitled to a
replacement cost value if they live in their homes at least 80%
of the time and have flood insurance coverage for at least 80%
of their home's market value.

Commercial and apartment buildings will be covered only for
actual cash value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property.
Replacement cost coverage is available only for the building
portion of a condominium insurance policy. Owners of single-
family homes may be able to buy replacement cost coverage
on the building portions of their flood insurance policies. A
Houston, TX area flood insurance replacement value policy
will pay only the replacement value up to the coverage limit.
For example, if rebuilding your home will cost $400,000, but
you only purchased $300,000 in coverage, your insurance
policy will pay you only $300,000.

Click on the link below to fill out a secure quote request form
for a Texas Flood Insurance policy that will provide excellent
personal insurance coverage at an affordable cost. An
insurance agent in the Houston, TX area will contact you.

Click here to fill out a

Houston, TX Area Flood Insurance

policy quote request form

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particular insurance services is only provided for informational purposes.
Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.