WHO NEEDS FLOOD INSURANCE?


Let's face it. You don't live near the coast, near a river or in an area below a dam. So, why would you need flood insurance? After all, there isn't any water around to flood your home.


Let's talk about that. Did you know that:

  • In the past five years, every single state has experienced floods or flash floods

  • Homeowners insurance does not cover flood damage

  • Just a few inches of flood water can cause thousands of dollars in damage

  • Flash floods often bring walls of water 10 to 20 feet high

  • New land development can increase flood risk

Those facts from the National Flood Insurance Program tell us that everyone needs to think about flood insurance. Start by knowing what flash floods are. If you don't live in a place that is prone to flooding, flash floods are your focus.


A flash flood happens due to intense storms dropping large amounts of rain within a short period of time. The rain comes down so hard that the ground cannot absorb it, so the water puddles, and starts to create its own creek which can become a river or a huge pond of water that floods. There is usually no warning and in a few minutes, entire communities are flooded. If you live near these areas, there is a potential for flash flooding:


  • Empty fields that are dry with little vegetation

  • Dry gullies or creek beds

  • Downstream from a dam, even if you are on higher ground

  • The arid planes of southwestern United States

  • New developments where trees and vegetation have not been replaced

So take some time, look at where you live. This doesn't mean everyone needs flood insurance. But everyone should take some time to ask if flood insurance would be a wise purchase.


We’ve got you covered. Call Texas Insurance Agency at (713) 921-8000 for more information on Houston flood insurance.

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