PERSONAL INSURANCE · TEXAS
Texas Flood Insurance
Heavy rain and rising water can affect a home far from the coast. BIG - Brock Insurance Group helps Texas property owners compare separate flood insurance options for their homes and belongings.
Flood coverage is a separate decision
A standard homeowners policy generally does not cover flooding from rising water. BIG can help you compare available flood options, including policies through the National Flood Insurance Program (NFIP) and private insurers, and review how a policy treats the building and contents. Limits, exclusions, deductibles, and effective dates vary.
Serving Texans from our Friendswood and New Braunfels offices. Tell us the property ZIP code and what you want to protect.
The building
Review the home’s structure, foundation, and major systems. The address, construction details, and available limits matter.
Your belongings
Ask about a separate contents limit for furniture, appliances, and other personal property. Replacement terms may differ.
Policy timing
Flood policies can have waiting periods and different start dates. Ask before a storm is on the forecast, and confirm the effective date with your agent.
Questions worth asking
Do I need flood coverage outside a mapped high-risk area?
You may still want to review it. Flooding can occur outside designated high-risk zones. We can discuss your location, nearby drainage, prior water events, and any lender requirement.
Is flood insurance included with my home policy?
Usually not for rising water. Review your homeowners policy with an agent so you understand what it covers and what requires a separate flood policy.
What to have ready
- Property address or ZIP code
- Whether you own or rent, and whether you need building or contents coverage
- Home type, foundation, and approximate construction date
- Any current flood policy or lender request
Coverage depends on the policy and property. BIG will help you compare available options—not promise coverage before an insurer reviews the risk.