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Flood Insurance

What is Flood Insurance?

Flood insurance protects your home and belongings from water damage that standard homeowners policies don’t cover. Homes in flood-prone areas—such as lowlands, near rivers, or coastal regions—are at the highest risk. Yet, only about 20% of these properties have coverage. Without flood insurance, you could face thousands of dollars in out-of-pocket repair costs.

What Does Flood Insurance Cover?

Flood insurance typically includes two main types of coverage:

  • Building Coverage – Protects your home’s structure and systems.
  • Contents Coverage – Covers personal items like furniture and electronics.

Together, these coverages ensure both your home and belongings are protected against flood damage.

Why Flood Insurance Matters in Texas

Texas ranks among the top states for flood-related property damage. From Gulf Coast hurricanes to heavy inland rains, flooding can happen anywhere, even outside designated flood zones. Standard homeowners’ insurance does not cover flood damage, so having a separate flood insurance policy is essential for complete protection.

Local Expertise You Can Trust

At MCN Multiservices, we help Texas homeowners and renters understand their flood risk and choose the right coverage. Whether you live near a bayou, in a low-lying subdivision, or anywhere in the Lone Star State, we’ll guide you through FEMA flood maps, NFIP guidelines, and private insurance options.

What Makes Our Flood Insurance Different?

Texas-Specific Expertise

We know FEMA flood maps and NFIP rules specific to Texas.

Private & NFIP Options

Choose from government-backed or private flood insurance plans.

Fast Claims Support

We assist you through every step of the claims process.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Add-On Coverages to Consider

Enhance your flood protection with:

  • Basement Coverage – Protect finished basements and below-grade areas.
  • Replacement Cost Coverage – Avoid depreciation losses on personal items.
  • Temporary Housing Reimbursement – Cover hotel stays or rentals during repairs.
  • Business Property Coverage – Ideal for home-based businesses or rental units.

Flood Insurance Tips for Texas Residents

  • Buy Early – Most policies have a 30-day waiting period.
  • Check Elevation Certificates – They can help lower your premium.
  • Bundle Policies – Ask about bundling flood and home insurance for discounts.
  • Review Annually – Flood zones and rates can change—stay updated.

Ready to Get Covered?

Contact MCN Multiservices today for a free flood insurance quote in Texas. Our licensed agents will help you compare options, understand coverage details, and secure protection fast. Call us or visit our office for expert guidance.

Frequently Asked Questions

Is flood insurance required in Texas?

Flood insurance in Texas is mandatory if your property is located in a high-risk flood zone and you have a federally backed mortgage. Even if it’s not required, getting flood insurance coverage is highly recommended, Texas experiences frequent flash floods and hurricanes, and standard home policies don’t include flood protection.

According to the National Flood Insurance Program (NFIP), flooding is when normally dry land or multiple properties are temporarily submerged due to events like:

- Overflow of inland waters
- Rapid accumulation of surface water (heavy -rain, runoff, etc.)
- Mudflows

Flooding can also result from hurricanes, earthquakes, or landslides, even if you already have coverage for those disasters, flood damage is often excluded.

Flood insurance exclusions typically include damage caused by sewer backups (unless directly due to flooding), temporary housing, landscaping, decks, fences, pools, and vehicles. Understanding what flood insurance doesn’t cover helps you plan for additional protection if needed.

You can check your flood zone map in Texas through FEMA’s Flood Map Service Center or by speaking with your insurance agent. Using FEMA flood zone lookup tools helps determine whether your property falls into a high-risk area, so you can check your flood risk accurately.

Flood insurance cost in Texas depends on several factors such as flood zone classification, property elevation, and building age. NFIP rates typically range from $400–$700 per year for low-risk areas. Comparing affordable flood insurance options ensures you get the right protection for your budget.

You can purchase a flood insurance policy at any time, but most providers have a 30-day flood insurance waiting period before coverage takes effect. To stay protected, buy your policy before flood season begins.

Renters insurance does not include flood coverage for tenants. Renters must get separate renters flood insurance to protect their belongings from flood damage.

While flood insurance is usually a separate policy, especially with NFIP, some private flood insurance options allow you to bundle flood and home insurance for convenience and possible discounts.

To start the flood insurance claims process:
1 - Contact your insurance provider immediately.
2 - Document all flood damage with photos and videos.
3 - Make a list of damaged items.
4 - Schedule an inspection with your claims adjuster.
5 - Submit all required forms and receipts.
Knowing how to file a flood damage claim quickly can make the recovery process much smoother.

Get Your Free Quote Today!

We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.