When Is Flood Insurance Needed?
Flooding is commonly excluded from many homeowners, commercial property, and renters’ insurance policies. Although these policies cover most natural disasters: floods, earthquakes, and hurricanes (at least from water damage) are typically excluded, due to their severity and rarity.
Most areas of flooding, naturally occur on the coastlines. Regardless of your view on climate change, flooding has increased in Texas in recent years. Texas has 367 miles of exposed coastline ranking sixth for all U.S. states. For Texas communities such as Corpus Christi, Angleton, Port Arthur, Galveston, Houston, Texas and surrounding cities and suburbs, heed a strong recommendation for flood insurance, as hurricane risks are imminent.
Floods are also more likely to occur in drought areas, which caused flash floods in Central and West Texas throughout 2015 and 2016. It sounds ironic, yet when water-scarce areas of the state receive water, it’s often too much at once for the ground to soak up. According to Drought Monitor, there is a greater risk of flash foods if you live in the panhandle and far West Texas/Permian Basin.
Compare Quotes from Multiple Carriers!
We do the shopping so you don’t have to.