Texas Flood Insurance - Houston TX Area
Even though flood insurance is relatively inexpensive,
most homeowners do not choose to purchase the
insurance protection available. According to the Federal
Insurance Administration, less than one-quarter of the
homes in areas most vulnerable are insured against
flood loss. In those areas, flooding is 24 times more
likely to occur than a fire during the course of a
typical 30 year mortgage.
A standard homeowners insurance policy will not cover
damages caused by flooding. You must have flood
insurance from an insurer that writes for the National
Flood Insurance Program. If your community
participates in a floodplain management program, you
should be eligible to buy the coverage no matter if your
flood risk is low, medium or high. Residents of "coastal
barrier areas" and communities that do not participate in
floodplain management programs may have trouble
finding flood insurance coverage. Texas flood
insurance is also available to renters, condominium
owners, and co-op owners.
Outside of fire, flooding is the most widespread natural disaster. According
to the National Flood Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural area, at least 2 acres
must be submerged.
The two primary types of Texas Flood Insurance Policies are listed below.
Actual Cash Value Policy
The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.
Commercial buildings, apartment buildings and secondary residences will be covered
only for actual cash value. Personal property is always valued at actual cash value.
Some building items such as carpeting are always adjusted on an Actual Cash Value
basis.
Replacement Value Policy
The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Texas flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit providing the following conditions are met:
Southeast Texas in particular has special flood insurance concerns from tropical
storms and hurricanes. Be prepared! Click on the link below to fill out a secure
quote request form for a Texas Flood Insurance policy that will provide excellent
personal insurance coverage at an affordable cost. Or you can speak with our
Texas Flood Insurance specialist toll free at (800) 747-6140 to discuss the
insurance features in more detail.
We are a Sugar Land, TX insurance agency offering lower Texas flood insurance
policy rates in the following towns, cities and counties in southeast Texas: Meadows,
Town West, Four Corners, Crabb, Booth, Thompsons, Fresno, Manvel, Pleak,
Kendleton, Eagle Lake, Sandy Point, Beasley, Rosenberg, Richmond, Orchard,
Fulshear, Juliff, Arcola, Needville, Frydek, Rosharon, Bonney, East Bernard, Lissie,
Elm Grove, Spanish Camp, Wharton, Guy, Bellville, Wallis, Pasadena, Deer Park,
Houston, Pearland, Galena Park, Jacinto City, La Porte, Bellaire, West University
Place, Cloverleaf, Beaumont Place, Spring Valley, South Houston, Iowa Colony,
Hilshire Village, Humble, Houmont Park, Friendswood, League City, Alvin, Mission
Bend, Stafford, Missouri City, Texas City, Webster, Dickinson, Baytown,
Channelview, Highlands, Seabrook, Bacliff, La Marque, Jersey Village, Lake Jackson,
Surfside Beach, Algoa, Santa Fe, Barker, Katy, Sealy, Dayton, Angleton, Freeport,
Bammel, Kohrville, Bay City, Brenham, Addicks, Brookshire, San Felipe, Hockley,
Waller, Prairie View, New Caney, Beach City, Nassau Bay, North Houston,
Hempstead, Tomball, The Woodlands, Burr, Iago, Boling, Peters, Cat Spring,
Burleigh, Waller County, Wharton County, Brazoria County, Harris County, and Fort
Bend County, TX. We can also offer affordable Texas flood insurance policy rates
throughout the Lone Star state, including in Beaumont, Austin, Waco, Fort Worth,
Dallas, and San Antonio, TX.

Flood Perils Include:
Collapse or subsidence of land along the shore of a lake or similar body
of water as a result of erosion or undermining caused by waves or
currents of water exceeding anticipated cyclical levels that result in flood
as defined above
Unusual & rapid accumulation of runoff or surface waters from any
source that result in a flood as defined above
Overflow of inland or tidal waters that result in a flood as defined above
Mudflow defined as a river of liquid and flowing mud on the surfaces of
normally dry land areas, as when earth is carried by a current of water
that result in a flood as defined above
**The information, pictures, and other content in this website about particular insurance services
is only provided for informational purposes. Any decisions regarding your insurance needs should
be discussed with a licensed insurance agent.
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801

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Texas Flood Insurance Policy Information
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Texas Flood Insurance Information
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A general and temporary condition of partial or complete inundation of
two or more acres of normally dry land area or of two or more
properties at least one of which is yours from:
For example, if rebuilding your home will cost $250,000, but you only purchased
$200,000 in coverage, your insurance policy will pay you only $200,000.
1. the insured building is a single-family dwelling
2. the insured dwelling is your primary residence, meaning you live there at
least 80% of the year
3. the insured dwelling coverage is at least 80% of the current full
replacement cost of the dwelling, or the dwelling limit is the maximum
allowed for the dwelling under the current NFIP guidelines
Flood Zone Determinations
Flood Zones 101
B, C and X - These areas have been identified in the community Flood Insurance
Study as areas of moderate or minimal hazard from the principal source flood in the
area. However, buildings in these zones could be flooded by severe, concentrated
rainfall coupled with inadequate local drainage systems. Local storm water drainage
systems are not normally considered in the communities Flood Insurance Study. The
failure of a local drainage system creates areas of high flood risk within these rate
zones. Flood insurance is available in participating communities. (Zone "X" is used on
new and revised maps in place of Zones B and C.)
D - Unstudied areas where flood hazards are undetermined but flooding is possible.
Flood insurance is available in participating communities.
V - Special Flood Hazard Area's along coasts subject to inundation by the 100-year
flood with the additional hazards associated with storm waves. Because detailed
hydraulic analyses have not been performed, no base flood elevations or depths are
shown.
VE & V1-V30 - Special Flood Hazard Area's along coasts subject to inundation by
the 100-year flood with the additional hazards due to velocity (wave action). Base
flood elevations derived from detailed hydraulic analyses are shown within these
zones. (Zone VE is used on new and revised maps in place of zones V1-V30.)

A - Special Flood Hazard Area's subject to inundation by the 100-year flood.
Because detailed hydraulic analyses have not been performed, no base flood
elevations or depths are shown.
AE & A1-A30 - Special Flood Hazard Area's subject to inundation by the 100-year
flood determined in a Flood Insurance Study by detailed methods. Base flood
elevations are shown within these zones. (Zone AE is used on new and revised
maps in place of zones A1-A30.)

AH - Special Flood Hazard Area's subject to inundation by 100-year shallow flooding
(usually areas of ponding) where average depths are between one and three feet.
Base flood elevations derived from detailed hydraulic analyses are shown within
these zones.
AO - Special Flood Hazard Area's subject to inundation by 100-year shallow flooding
(usually sheet flow on sloping terrain) where average depths are between one and
three feet. Average flood depths derived from detailed hydraulic analyses are shown
within these zones.
A99 - Special Flood Hazard Area's subject to inundation by the 100-year flood, which
will be protected by a federal flood protection system when construction has reached
specified statutory progress toward completion. No base flood elevations or depths
are shown.
Flood Insurance Acronyms
SFHA - Special Flood Hazard Area's
NSFHA - No Special Flood Hazard Area
FIS - Flood Insurance Study
FIRM - Flood Insurance Rate Map
FEMA - Federal Emergency Management Agency NFIP National Flood Insurance Program