What kinds of events, then, are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding.
However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:
- Rain damage
- Storm surge damage
- Mud damage
It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.
Where Can I Buy Flood Insurance in Texas?
The overwhelming majority of flood insurance policies across the US—including in Texas—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).
To purchase NFIP flood insurance from FEMA, you must go through an NFIP-Direct-affiliated agency. Short Insurance Agency has sold NFIP flood insurance for many years.
What type of Texas Flood Insurance Do I Need?
NFIP flood insurance policies come in two types: