Flood Insurance

Your home is your sanctuary—it’s the result of your hard work, a symbol of your dreams realized. You’ve made sure to insure it properly, but do you know exactly what your homeowners insurance covers? More importantly, do you know what it doesn’t cover?

One major gap in most standard homeowners policies is flood coverage—flood coverage is not covered by your homeowners insurance. You might think that because your home isn’t in a coastal area, you’re safe from the risk. However, the National Flood Insurance Program (NFIP) reports that over 20% of all NFIP flood claims come from homes outside of high-risk flood areas, and a third of federal disaster assistance for flooding goes to these properties.

Flooding can happen anywhere—whether it’s from named storms or heavy rain—and Texas is no stranger to this threat. The state’s changing landscape has seen its share of devastating floods, like those in New Braunfels, Seguin, and La Vernia in 1998 and 2002.

If you’re eligible for a preferred risk policy through the National Flood Insurance Program, you can get both building and contents coverage for a competitive rate. For homes in high-risk areas, a standard-rated policy is required if you have a mortgage from a federally regulated lender, offering separate coverage for the building and its contents.

Keep in mind there’s a 30-day waiting period for flood insurance policies to take effect, so it’s wise to start the process sooner rather than later. Flood coverage can be complex, which is why we encourage you to talk with our experienced team at Twin Creek Insurance. We’re here to help you understand your options and make sure your home is fully protected—no matter what comes your way.

Don’t wait until it’s too late. Contact us today—give us a call, stop by, or use the Flood Insurance quote form on our website. Let us help you safeguard what’s most important to you.