Flood insurance · Texas
Flood insurance, because in Houston, it rains
TexPro was founded in Houston around the time of Hurricane Harvey. We’ve seen what water does. Flood is excluded from most home and renters policies, so it needs its own plan.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a flood policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Building coverage
The structure, foundation, electrical, plumbing, HVAC and built-in appliances.
Contents coverage
Furniture, clothing and other belongings, bought as a separate limit.
Lender-required flood
Coverage that meets your mortgage lender’s requirements in a high-risk zone.
Renters flood
Contents-only coverage for renters.
Private flood options
Some private markets may offer higher limits or different terms.
Ongoing review
Help managing renewals and re-rating over time.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Homeowners in or near a mapped flood zone
- Homeowners outside a flood zone. Many flood claims come from outside high-risk areas
- Renters who want their belongings covered
- Buyers whose lender requires flood coverage
Flood facts to know
- NFIP residential limits go up to $250,000 for the building and $100,000 for contents.
- NFIP policies generally have a 30-day waiting period before coverage starts, with limited exceptions such as some loan closings. Don’t wait for a storm in the forecast.
- Since 2022, FEMA prices every NFIP policy using its Risk Rating 2.0 method, which uses property-specific data. Two neighbors can see very different premiums.
Source: FEMA, National Flood Insurance Program. Reviewed Oct 2026. (opens in a new tab)
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Do I need flood insurance in Houston?
Houston and much of Texas face heavy rain and flooding risk. Standard homeowners and renters policies typically exclude flood, so a separate flood policy is how rising-water damage is usually covered. FEMA notes flooding can occur outside high-risk zones. Coverage depends on your policy.
Do I need flood insurance if I’m not in a flood zone?
It isn’t required, but if it can rain it can flood. Homeowners and renters policies typically exclude flood, so a separate policy is the way to cover it.
When does a flood policy start?
NFIP policies generally take effect after a 30-day waiting period, with limited exceptions. Buy before you need it.
What does NFIP cover?
Residential policies cover up to $250,000 for the building and up to $100,000 for contents. Basements and some items have limited coverage.
Related coverage
Often reviewed together
Ready to review your flood coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.