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Now is the Time to Get Flood Insurance

Apr 16, 2018 Back



Now is the Time to Get Flood Insurance



(Harris County, TX) - Floods are the nation’s most common natural disaster and cause millions of dollars in damage each year. Maintaining a flood insurance policy is an effective way to protect yourself against the cost of flood damage. 

Homeowners and commercial property policies specifically exclude coverage for damage from flooding from rising waters. To protect yourself from losses caused by most flooding, you'll need to buy a separate flood insurance policy from the National Flood Insurance Program (NFIP) administered by FEMA. Flood insurance policies have a 30-day waiting period after the purchase date before coverage takes effect, so if you do not have a policy, you should get one as soon as possible. For more information about flood insurance, call the NFIP at 1-888-FLOOD 29 (356-6329) or visit its website at


If your property is located in one of Texas' 14 coastal counties, or parts of southeastern Harris County, you will likely only be able to get insurance coverage for windstorm or hail damage from a special insurance pool called the Texas Windstorm Insurance Association. To qualify for TWIA coverage, your property must pass a windstorm inspection and must meet certain windstorm-resistant building standards. You can't buy or change TWIA coverage once a hurricane has entered the Gulf of Mexico. For more information about windstorm coverage, call TWIA at 1-800-788-8247 or visit TWIA's website.

Some people resist buying flood insurance in the faulty belief that, if flooding occurs, the government will bail them out. Federal disaster assistance is available only if a flood (or other disaster) is so large and widespread it warrants a major disaster declaration from the president.  More than 90 percent of disasters are not presidentially declared.  In the majority of floods, victims are on their own – unless they have flood insurance. And even for floods that are declared major disasters, the aid available is limited. Most assistance is in the form of loans that must be repaid, with interest. 
Flood insurance is advisable even if your neighborhood is not in a floodplain.  Floods can, and do occur almost anywhere. Nearly 30 percent of NFIP claims come from properties considered to be at low or moderate risk. For more information, contact your local insurance agent or company or call the NFIP toll-free number 1-800-427-4661. Remember, there is a 30-day waiting period before new policies take effect, so don’t delay. 

A few inches of water in a home can amount to thousands of dollars in damage for homeowners with no flood insurance.



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