Flood Insurance Texas

Texas Flood Insurance Policy Information

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 Texas 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.

Flood Perils Include:

Unusual & rapid accumulation of runoff or surface
waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

The washing away, collapse, or subsiding of land along
the shoreline due to erosion or undermining of waves or
currents exceeding the cyclical levels

Sewer backup caused by flooding

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 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 and apartment buildings will be covered only for
actual cash value.

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. For example, if
rebuilding your home will cost $400,000, but you only
purchased $300,000 in coverage, your insurance policy will
pay you only $300,000.

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 agent specialist toll free
at (800) 582-4368 to discuss the policy features in more detail.

We are your local Houston, TX area insurance agency offering
affordable Texas flood insurance policy premiums in the following
cities and counties: Pasadena, Deer Park, Pearland, Galena Park,
Jacinto City, La Porte, Bellaire, West University Place, North
Houston, Cloverleaf, Beaumont Place, Spring Valley, South Houston,
Hilshire Village, Humble, Houmont Park, Friendswood, League City,
Alvin, Mission Bend, Sugar Land, Stafford, Missouri City, Texas City,
Webster, Dickinson, Baytown, Channelview, Highlands, Seabrook,
Bacliff, La Marque, Jersey Village, Town West, Westfield, Kingwood,
Spring, The Woodlands, Liberty, Conroe, Tomball, Hempstead,
Galveston, Crystal Beach, Lake Jackson, Algoa, Santa Fe, Juliff,
Arcola, Needville, Katy, Dayton, Angleton, Beaumont, Port Arthur,
Bammel, Kohrville, Manvel, Bay City, Beasley, Rosenberg,
Richmond, Orchard, Fulshear, Brenham, Addicks, Brookshire, San
Felipe, Hockley, Prairie View, New Caney, Beach City, Nassau Bay,
Harris County, Fort Bend County, Brazoria County, Galveston
County, Montgomery County, and Liberty County, TX. We also offer
Texas flood insurance services throughout the Lone Star state,
including in San Antonio, El Paso, Austin, Abilene, Dallas, Ft. Worth,
Irving, Garland, Plano, Richardson, Carrollton, Grand Prairie,
Lancaster, Duncanville, Cedar Hill, De Soto, Mesquite, Lewisville,
Grapevine, North Richland Hills, Mansfield, Euless, McAllen,
Weslaco, Alamo, Donna, Edcouch, Elsa, Edinburg, Hargil, Hidalgo,
Sullivan City, Santa Rosa, San Juan, Pharr, Mission, Mercedes, San
Manuel, La Feria, Harlingen, Brownsville, Taylor County, Dallas
County, Tarrant County, El Paso County, Hidalgo County, and
Cameron County, TX.

**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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Barhorst Insurance Group

8220 Jones Road

Suite 100

Houston, Texas 77065

Harris County, TX

(713) 856-5533

Toll Free: (800) 582-4368

Fax: (713) 856-5999

Proudly serving

Texas since 1993!

Barhorst Insurance Group

Texas Flood Insurance