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Koda Insurance Group

2658 Industrial Blvd.
Abilene, TX 79605

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Texas Flood Insurance coverage

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Flood Insurance in Texas

While the state of Texas doesn't require you to have flood insurance, many mortgage lenders won't give you a loan if you live in a high-risk flood area unless you purchase a policy. Even if you don't live in an area with frequent flooding, a policy could still be a good purchase. Up to 25 percent of floods occur in locations that aren't considered high risk, plus flooding causes a high level of damage that's costly to repair out of pocket. Find out more about how Texas flood insurance could benefit your household by contacting Koda Insurance Group today.

How Does Flood Insurance Work?

There are two main components to your policy: structure and contents coverage. Your policy's structure limits detail how much the insurance company will spend to repair damage to your property and contents coverage deals with replacing damaged or destroyed belongings. Most policies go through a federal program run by the National Flood Insurance Program (NFIP). Policies through the NFIP typically cover:

  • Regular home systems, such as your water heater or electrical system
  • Installed features and carpeting
  • Appliances, the home's foundation, and support structures
  • A detached garage (up to 10 percent of your dwelling coverage), and personal property

However, these policies are subject to various exclusions, too, some of which include:

  • Damage caused by earth movement, for example, a landslide or sinkhole
  • Basement damage or property inside the basement
  • Flood damage to your vehicles
  • Lost income or temporary relocation costs due to flood damage aren't covered
  • Some detached property isn't covered, such as patios, decks, fences, plants, and walkways

There are a lot of specific details involved with flood insurance, and it's important to know about them before a potential disaster strikes. In order to learn more about flood insurance, as well as Texas-specific requirements, get in contact with Koda Insurance Group for a chat over the phone or visit the office in person.

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