Flood Insurance
Coverage for Rising Water Risks
Flooding can happen anywhere—even in areas not considered high-risk. Standard homeowners, renters, and business insurance policies don’t cover flood damage, which is why a separate flood insurance policy is often essential for property owners in West Texas.
What Your Flood Insurance Can Include
Building Property Coverage
Pays to repair or replace the structure, foundation, electrical, plumbing, and HVAC systems.
Personal Property Coverage
Covers belongings like furniture, electronics, clothing, and appliances damaged by flooding.
Cleanup & Debris Removal
Helps pay for cleanup costs after water damage, including mud removal and drying services.
Detached Structure Coverage
Protects garages, sheds, and other outbuildings not attached to the main home.
Basement & Crawlspace Items
Covers limited items like water heaters and essential systems located below ground level.
Optional Excess Coverage
Available through private insurers if your home or belongings exceed National Flood Insurance Program (NFIP) limits.
Designed for West Texas Weather
Flash floods don’t follow flood zone maps
In West Texas, dry ground and sudden storms are a dangerous combination. Heavy rain can cause flash flooding in neighborhoods, low-lying areas, or along dry creek beds—even in places that have never flooded before. Homes in and around Lubbock, Abernathy, and rural towns often sit on wide, flat land with limited drainage, increasing flood risk during intense weather. We help property owners across the region evaluate flood exposure and choose affordable protection that keeps them prepared year-round.
Frequently Asked Questions
Is flood insurance required in Texas?
Flood insurance is only required if you have a federally backed mortgage on a home located in a high-risk flood zone. However, over 25% of flood claims come from properties outside of designated flood zones. Even if you’re not required to carry it, flood insurance can be a smart decision in many parts of West Texas. We’ll help you check your property’s risk level and lender requirements.
How much does flood insurance cost in Texas?
Flood insurance through the NFIP typically ranges from $400 to $1,200 per year in Texas. Premiums depend on factors like elevation, flood zone, and the age of your home. Newer homes and homes outside of high-risk areas usually qualify for lower rates. We’ll help you compare federal and private options to get the best value.
Does my homeowners insurance cover flood damage?
No, standard homeowners insurance does not cover damage from flooding. That includes water rising from outside sources like rain runoff, overflowing rivers, or saturated ground. Only a separate flood insurance policy will cover those types of losses. We recommend pairing it with your home policy if you live anywhere prone to heavy rain or flash floods.
Can I get flood insurance if I’m not in a flood zone?
Yes, you can purchase flood insurance even if you’re in a low- or moderate-risk zone. In fact, policies for these areas are often more affordable and easier to qualify for. Flash floods can happen anywhere in Texas, so coverage isn’t limited to mapped floodplains. We’ll guide you through the options and find the right fit.
How soon does coverage begin after I buy a policy?
There’s typically a 30-day waiting period before flood insurance takes effect through the NFIP. Some private insurers offer shorter wait times or immediate coverage if it’s tied to a home purchase. Planning ahead is important—don’t wait until a storm is in the forecast. We’ll explain all timing details and make sure you’re covered when it counts.
