Auto 
Home 
Boat/Watercraft 
Flood Insurance
Flood Insurance for Texas Properties
Flooding is one of the most common and costly disasters in Texas, and it is not covered by a standard home or renters’ policy. Karen Lynn Wegman Insurance helps you find flood coverage that fits your property, whether you are in a mapped flood zone or an area that has flooded unexpectedly in the past.
Why Flood Insurance Is a Separate Policy
Homeowners and renters insurance policies typically exclude damage caused by rising water, storm surge, or overflow from nearby rivers, lakes, or drainage systems. A separate flood policy, often backed by the National Flood Insurance Program or a private carrier, is the only way to cover this type of loss.
Do I Need Flood Insurance If I Am Not in a Flood Zone?
Many Texas flood claims come from properties outside of high-risk flood zones. Heavy rainfall, flash flooding, and changing land development can put almost any property at risk. Lenders may require flood insurance in designated high-risk areas, but coverage is worth considering anywhere water could realistically reach your home.
What Flood Insurance Typically Covers
- Structural damage to your home’s foundation, walls, and electrical and plumbing systems
- Built-in appliances such as water heaters and HVAC systems
- Personal belongings, depending on the coverage level you choose
- Cleanup and debris removal after a flood event
Request a Quote
SAVING IS SIMPLE!
PARTNER CARRIERS
Common Flood Insurance Questions
Flood zones are set by FEMA flood maps based on your property’s elevation and proximity to water sources. We can help you check your zone and what it means for your coverage options and cost.
Most flood policies have a waiting period before coverage takes effect, so it is best to purchase a policy before storm season rather than waiting until a storm is forecast.
No. Vehicle flood damage is typically covered under the comprehensive portion of an auto insurance policy, not a flood policy.
Yes. Renters can purchase a contents-only flood policy to protect belongings even if the building itself is insured by the property owner.
Get a Flood Insurance Quote
Use our online quoting tool to explore flood coverage options, or contact us to talk with a local Texas agent about protecting your property from flood risk.