If you live in an area that’s at high risk for flooding, your lender might actually require you to have flood insurance. But even if you don’t live right on the coast or in a designated flood zone, it’s something to seriously consider. You might be surprised to know that over 40% of flood insurance claims come from areas that aren’t considered high-risk. And most homeowners insurance policies won’t cover flood damage. Just a little bit of water can cause a whole lot of damage – we’re talking tens of thousands of dollars. Flooding is actually the most common and costly natural disaster in the whole of the United States.

The important thing to remember is that you can’t wait until the rain clouds are gathering to get flood insurance. Most policies have a 30-day waiting period before the coverage kicks in. The only exception is usually if you’re buying a new home and the closing is happening in less than 30 days.

So, let’s chat about your property and whether flood insurance makes sense for you. It’s about protecting your home and giving you peace of mind, especially with the unpredictable weather we can sometimes see here in Texas.