Trusted Texas Coverage

Flood Insurance

Essential protection for Texas. FEMA & Private options.

Property address and flood zoneLender flood requirementBuilding and contents limits

(346) 241-0000

Flood Zone Risk Checker

Enter your Zip Code to see your estimated flood risk level in Texas.

*This is an estimate based on historical data. Official FEMA flood maps determine final rates and lender requirements.

Argo agent reviewing Flood Insurance coverage options

Before you start

Have the important dates, documents, and contact details ready.

What to know

Does homeowners insurance cover flood in Texas?

Usually no. Standard homeowners policies generally exclude flood from rising water, so Houston and Texas households should compare separate NFIP and private flood options before storm season.

Have this ready

Property address and flood zone

Lender flood requirement

Building and contents limits

Waiting period and payment timing

Review flood options (346) 241-0000

Reviewed by Argo's licensed insurance agency team. Last updated: June 14, 2026.

Who needs this?

Homeowners in Flood Zones
Renters (Contents Only)
Business Owners
Coastal Residents

Expert Tip

"Don't wait for a storm! Most flood policies have a mandatory 30-day waiting period. If a named storm enters the Gulf, you cannot buy coverage."

Key Features

FEMA (NFIP) Plans

Private Market Options

Contents Coverage

Excess Flood Limits

What's Covered

CoverageBuilding Property

Covers the physical structure, foundation, electrical, and plumbing systems up to $250k (NFIP) or more (Private).

CoveragePersonal Contents

Pays to replace furniture, electronics, and clothing damaged by floodwater. Usually purchased separately.

CoverageLoss of Use

Private flood policies often cover temporary living expenses if your home is uninhabitable. NFIP does not.

CoverageExcess Flood

If your home costs more than $250k to rebuild, Excess Flood covers the gap that FEMA misses.

Common Questions

Everything you need to know about this coverage.

Does homeowners insurance cover flood damage?

Usually no. Standard homeowners insurance generally excludes flood from rising water, so Houston and Texas homeowners should review a separate flood policy.

Do I need flood insurance if my lender does not require it?

Maybe. Lender requirements are only one part of the decision. Houston-area homes can still have flood exposure from heavy rain, drainage, bayous, street flooding, or nearby development even when flood insurance is optional.

Is there a waiting period for flood insurance?

Often yes. NFIP policies commonly have a 30-day waiting period, while some private flood options may have shorter timing depending on the carrier and situation. Do not wait until a storm is forming.

What should I send for a flood insurance review?

Send the property address, lender requirement if any, current homeowners declarations page, desired building and contents limits, closing or renewal date, and any prior flood or water concerns.

Can Argo compare NFIP and private flood options?

Yes. Argo can help review whether NFIP or private flood options fit the property, lender timing, building limit, contents need, and payment deadline.

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