Floods are the most common natural disaster in the United States, but only 18% of Americans have flood insurance.

Texas leads the nation in flood related deaths and property damage, and holds 6 of the top 12 world records for rainfall in 48 hours or less.

In 1921, a storm in central Texas produced 32 inches of rain in 12 hours.  In 1935, 22 inches of rain fell in just 2 hours. The well known picture of a house going over the Austin Dam in 1935 is real, not photoshopped!

Flash Flood Alley | Austin and Central Texas

Although all of Texas is prone to extremely heavy rains and flooding, the geography of this area makes it uniquely positioned to receive the brunt of tropical storms and air masses that result in intense rainfall.

In 2012, 25% of flood claims were filed by property owners in low or moderate risk flood areas, who did not live in a flood zone.  Last week, following the heavy rains in Austin, only 2 of the first 6 clients who called my insurance agency regarding flooding at their homes had flood insurance.

Many property owners discover too late that their homeowner and renter’s policies did not cover losses from flooding.

If you do not live in a flood zone, flood insurance can be relatively inexpensive!  Most homeowners do not necessarily need the same level of flood coverage as dwelling coverage on their homeowner policy. This is because a flood usually does not result in the loss of the entire building structure and all the contents, unlike a fire or tornado. Of course, there are always exceptions such as the catastrophic flooding from Hurricane Sandy and Katrina.

Flood Insurance Quotes // Flood Insurance Rate

Sample rates for flood insurance in Texas as of March 2014 are as follows (assuming your home is not in a flood zone):


$50,000 in building coverage/$20,000 in contents coverage, the annual premium is $240.
$100,000 in building coverage/$40,000 in contents coverage, the annual premium is $312.
$150,000 in building coverage/$60,000 in contents coverage, the annual premium is $356
$250,000 in building coverage/$100,000 in contents coverage, the annual premium is $414.  

Cheri Roman
Cheri Roman
I’m a graduate of the University of Texas & have a master’s degree in Business Administration from Texas A&M University, Corpus Christi. As a former teacher, I believe in educating my clients about insurance and investment options, and partnering with them to protect their family and achieve their financial goals.

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