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Everyone needs flood insurance in this part of Texas.

Since the 1970s, there have been at least 25 flood events in the Houston area. Since 1978, the National Flood Insurance Program has paid out more than $6.1 billion in flood losses in Texas, with about one third in Houston areas.   Extreme flood events in Texas are almost proof that history repeats itself.  Flood damage can happen everywhere, even in the hill country.

Flood damage is the worst damage I see because the water is usually full of bacteria and dirt as rain water comes into your home and soaks into your home for an extended amount of time.   Building materials and personal belongings usually need to be replaced and are not salvageable.   Flood damage is expensive.  The average flood claim is almost $40,000 while the premiums can start as low as $300/year depending on your flood zone and coverage limits.  Paying $300 for flood insurance to pay for $40,000 in flood damage seems like a good protection.   Now with private flood insurance options for low risk areas,  flood insurance premiums are lower.

Low risk areas do not mean no risk for flood insurance.  In fact, one third of flood disasters occur in flood zones X (low risk zone).  Flood insurance helps you be financially ready if you have flood damage.

Areas protected by a dam and levee are not more protected from flood damage as levees and dams can fail.   There are two Houston dams at extremely high risk of failing.

For your rates in zone X click here.

For more information about flood insurance, go to

Suzanne Brown Agency
Over 100 insurance carriers

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