If you are like many homeowners in Texas, you may think your property is immune to flooding. Unfortunately, this isn’t the case.
If it can rain, then the possibility of a flood is real and one you have to consider. Keep in mind; a typical home insurance policy does not cover flood damage. As a result, you will need a separate flood policy. This is where our team at Insurance Discount Center can help.
Understanding the Risk
If you live in a flood zone, then your lender will make it a requirement to have flood insurance. Flood zones are areas that have a one percent chance of becoming flooded during the course of a year.
While this is true, a flood can occur anywhere at any time. The state of Texas is especially prone to flooding in two particular areas, the coast, as well as a wide band that is referred to as Flash Flood Alley, which extends through the Central part of Texas into North Texas.
It’s also important to note that flood maps are challenging to keep updated because growth adds to the flood risk. Pasture and prairies absorb excessive rainfall from the storms, and when the land is replaced with asphalt and concrete, it can put areas that were never at risk of flooding before in danger.
Get the Flood Insurance Coverage You Need
As you can see, having the right flood insurance is critical if you live in the state of Texas. However, the amount of coverage that you need is based on certain factors. That’s where our team at Insurance Discount Center comes in. We can help evaluate your level of risk to determine the amount of coverage you need.
If you are ready to get started and learn more about flood insurance options, contact us today. We are here to help you get the protection you need.