Texas Flood Insurance Coverage

Flood Insurance

Flood Insurance

While the state of Texas doesn't mandate homeowners to purchase flood insurance, you may need to purchase it. If your mortgage company has made this a stipulation in your loan, you will need to obtain it. This will probably be the case if you are located in a high-risk area on flood maps, as the risk is greater. If you require flood insurance for your Texas property, contact the McCrary Insurance Agency.

For those unfamiliar with flood insurance, here is a rundown of what is covered:

Essential systems in the home

  • This includes plumbing, electrical, water heaters, furnaces, central air conditioning systems, heat, and sump pumps.
  • It includes cisterns and the water they hold, fuel tanks, fuel in them, solar energy equipment, water pumps, and tanks.


  • Refrigerators, built-in appliances such as dishwashers, washing machines, dryers, ranges are typically covered.
  • Portable air conditioners and freezers, and the food in them.
  • Food inside refrigerators is not covered.

Carpeting and window coverings

  • If you have permanently affixed carpeting over an unfinished floor or other kinds of rugs over wooden floors, your policy should cover them.
  • Your policy should include window curtains and blinds.

Permanently installed bookcases, cabinets, paneling, and wallboard

  • If your cabinets need replacing, the policy will cover only the ones that were damaged. If some of your cabinets were damaged, but others were not, you may have an issue getting new cabinets to match the older ones.

Foundation walls, staircases, and anchorage systems attached to the building

  • There would be an exclusion for any “loss caused directly by the movement of the earth, even if a flood caused the movement.”

Detached garage used for parking or limited storage

  • You can use up to 10% of your total building coverage for the protection of your garage. But that amount is then subtracted from the total amount of coverage available.

Personal property

  • This includes furniture, clothing, electronics, but only if not stored in the basement.

Certain valuables

  • Up to $2500 in value, it will cover items such as original artwork, furs, or jewelry.

Other coverage

  • Even though some events are not strictly floods, such as mudslides or groundwater seepage, these events are covered. Also, if your neighbor's above-ground swimming pool collapses and water flows into your home, it is covered.

If you live in a flood zone in Texas, contact the McCrary Insurance Agency to obtain the flood protection you need for your property. You will be glad you did. Contact us today.

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