Texas Flood Insurance

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Texas Flood

Dozens of major flooding events have occurred in Texas throughout the years, causing immense infrastructural damage and loss of hundreds of lives. A recount of the Texas flood history would draw your attention to the causes of flooding in the state – from unnamed storms accompanied by heavy downpour in the beginning of the 20th century to record-breaking rains in the second half, including tropical storms of the category of Alison. All such incidents tell a gloomy tale of Texas flooding that ruined property and lives.
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Texas Flood History

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Heavy rains, measuring 20-25 inches, drenched the whole of Texas during the El Nino year of 1913, causing 180 deaths from drowning.
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A tropical storm that originated in the Bay of Campeche lashed San Antonio, causing severe flooding in 1921 with 39.7 inches of rainfall, drowning 51 people.
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In June 1935, multiple rain events resulted in severe flooding on the Colorado and Nueces Rivers in May on Seco Creek. Another flooding event occurred in December of the same year on Buffalo Bayou that washed out downtown Houston. .
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The May 1949 flood is the worst in the history of Fort Worth. Clear Fork of the Trinity River broke its levees and spilled into the city. This photo shows an overview of a soaked Fort Worth on May 17, 1949.
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Heavy rains in September 1952 brought life to a standstill in central Texas, causing loss of 5 lives and destruction of property.
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Hurricane Alice struck the Rio Grande Valley in May 1954, carrying 35 inches of rainfall.
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The May 1965 flood inundated San Antonio River, causing damages worth $1 million.
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Hurricane Beulah struck Arroyo City in September 1967, bringing along massive downpour and inundating bridges, roads, homes, fences, and livestock all over south Texas west of Victoria.
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Heavy rains caused flood in Texas’ central part in May 1970, in which San Marcos area was severely hit.
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Torrential rains caused large-scale flooding in south central Texas, causing flash flood in and around the San Antonio and Guadalupe rivers.
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In July 1979, tropical storm Claudette hit southeast Houston, dropping 43 inches of rain and forcing over 3,000 residents to abandon their homes in Brazoria County.
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Flooding events continued in the following years – 1981, 1987, 1989, 1990, 1994, 1997, 1998, 2001, 2002, 2013, and 2015
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Dousing storms swept away roads, people, and property in Texas in 2015, writing heart-wrenching tales of devastation and massive loss of life & property.
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The May 1949 flood is the worst in the history of Fort Worth. Clear Fork of the Trinity River broke its levees and spilled into the city. This photo shows an overview of a soaked Fort Worth on May 17, 1949.
Houston is the hardest hit by rains that thrash the region every now and then. Houston lies in a low and flat area, east of highway I-35 to the Gulf Coast, with dense soils. The shallow clay layer is the best recipe for flooding. As a result, Houston experiences worst kind of flood in Texas.

Moving west, the state has a stretch of hills, with lower water table. Water runs off quickly in the hill country, which is primarily formed of limestone and rock and hills.

Texas Flood Insurance

A flooding event can occur at any time of the year, since weather is unpredictable and can cause massive destruction. It is critical to safeguard your life & property from flood in Texas. Your homeowner’s insurance is of no value in the event of a flood. Apply for flood insurance in Texas as a safeguard for your assets and property.
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Why Texas Leads the Nation in Flood Risk

No state floods like Texas. From Gulf hurricanes and tropical storms to the flash-flood corridor known as “Flash Flood Alley” running through Central Texas, the state sees more flood damage than anywhere in the country. Hurricane Harvey alone dumped more than 60 inches of rain on the Houston area in 2017 and produced over 500,000 flood-damaged vehicles and tens of thousands of flooded homes — the majority of them outside designated high-risk flood zones.

Who Should Carry Flood Insurance in Texas?

  • Coastal and Gulf-region homeowners from Houston and Galveston to Corpus Christi and Beaumont, where storm surge and tropical rainfall are annual threats.
  • Houston-area homes near bayous and reservoirs. The flat coastal plain drains slowly; neighborhoods far from the coast flooded during Harvey.
  • Central Texas “Flash Flood Alley” residents around Austin, San Antonio, and the Hill Country, where thin soil over limestone sends rainfall straight into creeks.
  • Anyone in Zone X. Roughly 1 in 5 NFIP claims come from low- and moderate-risk zones — and in Texas that share runs even higher after major storms.

Local resource: Learn more about flood insurance in Houston.

NFIP vs. Private Flood Insurance in Texas

As an independent brokerage we quote both. NFIP offers up to $250,000 building and $100,000 contents coverage and is accepted by every lender. Private flood insurance has grown fast in Texas — often with higher limits, additional living expenses, and competitive pricing, especially for well-elevated homes. After Harvey, many Texans found private markets filled gaps NFIP couldn’t. We compare both side by side.

How Much Does Flood Insurance Cost in Texas?

  • Preferred Risk (Zone X): often $400–$700 per year.
  • Moderate-risk properties: typically $700–$1,500 per year.
  • High-risk coastal/surge zones (A/AE/V): commonly $1,500–$4,000+, driven by elevation and proximity to the coast.

Coastal Texas premiums run higher than inland because of surge exposure — but even a modest policy is a fraction of an uninsured flood loss, which averaged over $100,000 per home after Harvey.

Frequently Asked Questions

Is flood insurance required in Texas?

Lenders require it for federally backed mortgages on homes in FEMA high-risk zones (A, AE, V). Elsewhere it’s optional, but given Texas’s flood history most coastal and Houston-area homeowners carry it regardless of zone.

Does homeowner’s insurance cover flooding in Texas?

No. Texas homeowner’s and windstorm policies exclude rising-water flood damage. Only a dedicated flood policy covers surge, tropical rainfall, and river flooding.

Is there a waiting period?

NFIP policies generally take effect 30 days after purchase, so you cannot wait for a storm in the Gulf to buy coverage. Private policies may bind faster. Buy before hurricane season, which runs June through November.

Do you cover all of Texas?

Yes — statewide, from Houston, Galveston, and Corpus Christi to Austin, San Antonio, Dallas–Fort Worth, and the Hill Country. Quote online or call 855-225-3566.

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