Flood Facts

Here are some facts about Texas flood insurance and flooding:

• Texas is one of the states with the highest risk of flooding. Houston has a particularly high risk for flood damage.
• According to FEMA everyone lives in a flood zone.
• Areas that have never flooded before can have major flooding damage.
• If you are in a low risk area rates are very low.
• Even one inch of flooding can cause serious damage to your property.
• Homeowners insurance policy’s usually don’t cover flood damage. You need a separate flood policy for that.
• Even if you are in a high risk area you are eligible to purchase flood insurance if your community is a NFIP partner.
• The average home has a 26% chance of being damaged by a flood during a 30 year mortgage. This is much higher than the risk of fire which is 9%.
• The National Flood Insurance Program was not designed to generate a profit. NFIP rates are typically far lower than other programs.
• Flood insurance is easy to get. We can fill out your application for you. You can apply for your policy by phone in less than 5 minutes in most cases.
• In the United States the average for flood losses is over 2 billion dollars per year.
• In 2005 the NFIP paid over 16 Billion dollars in flood claims.
• Federal disaster loans have to be repaid with interest. It is much better to have a NFIP flood insurance policy where claim payments do not require repayment.
• More than five million people currently have flood policies in the US.
• At www.houston-flood-insurance.com we are committed to providing flood policies with the lowest rates and superior service. Our service area is anywhere in Texas.