Texas Floods


Failing to evacuate flooded areas, entering flood waters, or remaining after a flood has passed can result in injury or death. Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States.

Floods may:

  • Result from rain, snow, coastal storms, storm surges, and overflows of dams and other water systems.
  • Develop slowly or quickly – Flash floods can come with no warning.
  • Cause outages, disrupt transportation, damage buildings, and create landslides.


Do not walk, swim, or drive through flood waters.
Turn Around, Don’t Drown!

Stay off of bridges over fast-moving water.
Determine how best to protect yourself based on the type of flooding.
Evacuate if told to do so.
Move to higher ground or a higher floor.
Stay where you are.


Flooding can be an emotionally and financially devastating event.  Without flood insurance, most residents have to pay out of pocket or take out loans to repair and replace damaged items.  With flood insurance, you're able to recover faster and more fully.

You must purchase flood insurance if your home is within a federally designated flood plain and your mortgage lender requires it. 

More than 20 percent of flood claims come from properties outside high-risk flood zones.

Hurricane Harvey damaged more than 200,000 homes and apartment buildings in Harris County and 75% of these residences were located outside the 100-year flood plain

Altered roadways, new landscaping, nearby construction and massive rainfall can send flood waters into homes and neighborhoods that have never flooded. 

Homeowners and renters insurance does not typically cover flood damage.


Any insurance agent can sell flood insurance.  Most flood insurance policies are provided by the National Flood Insurance Program (NFIP) which falls under the Federal Emergency Management Agency (FEMA).

The annual cost of flood coverage can range from $130 to $1,000 depending on your flood zone risk and the amount of coverage you purchase.  The actual cost of a flood insurance policy depends on whether you live in a low, medium or high-risk flood zone. 

Unless obtained upon the purchase of a new home, NFIP flood insurance policies take 30 days to take effect.

Auto Coverage

Comprehensive insurance added to an auto insurance policy provides coverage for your vehicle from both hail and flood damage.     


Insurance Council of Texas Flood Insurance Fact Sheet

The Texas Water Development Board has more resources on what to do before, during, and after a flood.

Find current flooding information and flood levels at texasflood.org.


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