How to Get Flood Insurance in Texas
You can get flood insurance for your residential or commercial buildings in Texas by contacting your Texas-licensed insurance agent.
What are my Flood Insurance Options in Texas?
You have two options for flood insurance for your residential or commercial buildings in Texas:
Private insurance companies and the
National Flood Insurance Program (NFIP).
The NFIP is a flood insurance program managed by the government. Your insurance agent can help you purchase flood insurance from any of these entities, as long as they are certified by the program.
How to Compare Flood Insurance Quotes?
The surest way to compare flood insurance quotes is through a knowledgeable Texas P&C agent certified by the National Flood Insurance Program. All you need to do is to contact an insurance agent, and they will assess your needs and help you get different flood insurance quotes that you can choose from.
How to Apply for Flood Insurance?
You can apply for flood insurance through your regular licensed insurance agent or an insurance company in Texas. If you do not have an agent, get one through the Flood Insurance Provider portal or call the NFIP at (877) 336-2627 or (800) 427-4661 for help.
Although your insurance provider will assist you with the application process, you will need to:
Identify the flood zone where your structure is located (this is often done by your insurance agent).
Fill out the flood insurance application.
Obtain any required supporting documentation such as elevation certificate, zone determination, and photos.
Submit the filled-out application, supporting documentation, and full premium to the insurance company.
Where Can I Buy Affordable Flood Insurance in Texas?
To get affordable flood insurance in Texas, FEMA’s National Flood Insurance Program is a good option because it provides flood insurance at lower prices than private insurance companies. However, the NFIP flood insurance may not exactly be the best option when purchasing flood insurance for commercial buildings because their flood insurance policies may offer relatively limited coverage. Hence, getting your commercial flood insurance from a private company may be your best option, but ensure you compare multiple quotes before settling for one.
Consult a licensed Texas P&C agent certified by the National Flood Insurance Program to get multiple quotes from flood insurance companies to compare prices and pick the best price.
Who Can Help with Application for Flood Insurance?
A licensed Texas P&C agent certified by the National Flood Insurance Program can help with your application for flood insurance.
Can you Purchase Flood Insurance Through an Agent?
Yes, you can purchase flood insurance through a Texas-licensed insurance agent certified by the National Flood Insurance Program.
Why Do I Need an Agent for Flood Insurance?
You need an insurance agent for flood insurance in order to get a properly structured policy that suits your specific needs. The agent:
analyzes your needs and restrictions
researches the locally available plans that fit your needs
provides you with the available options of coverage
explains how the differences between the options affect you once you start using each insurance product
assists you with the application process
How to Choose an Agent for Flood Insurance?
When choosing an agent for flood insurance, check whether they are certified by the National Flood Insurance Program.
How Can I Find an Agent Who is Proficient in Flood Insurance?
You can find an agent who is proficient in flood insurance through the Flood Insurance Provider portal or by calling the NFIP at (877) 336-2627 or (800) 427-4661 for help.
Can I Buy Flood Insurance Online?
No. In most cases, you can only get flood insurance through a licensed agent. However, you can source private insurance companies that offer flood insurance online.
How to Renew Flood Insurance in Texas?
Check your policy declaration form to know when to renew your policy and contact your insurance agent to renew your flood insurance.
How Often Should I Renew Flood Insurance
You should renew your flood insurance policy every year to continue to get flood coverage.
