How Can I Determine My Flood Risk?

If you live in the greater Kingwood, TX area, chances are that your property has a moderate to high flood risk. Boss Insurance Agency is here to help you navigate your flood insurance options. 

Flood Insurance: What You Need To Know

There are two main reasons you should get flood insurance in Texas: 

Floods are the number one natural disaster in Texas

Although “Flash Flood Alley,” which includes places like Austin, has a higher flooding potential than most parts of Texas, every area in the state, including Kingwood TX, is vulnerable to flooding and other natural disasters. 

Homeowners’ insurance in Texas doesn’t cover floods

Most homeowners insurance policies don’t cover floods, even those that take place due to natural disasters that are covered under their policies. For example, if your roof gets damaged in a hurricane, your insurance policy will likely pay for wind- or hail-related damages but not for water damage caused by flooding. 

Contact Us Today

As you can see, having flood insurance, especially if you live in the state of Texas, is extremely important. But if you’re considering purchasing flood insurance, you’ll need to determine your risk of flooding. Your flood risk is determined by the climate of your region as well as factors specific to the exact location of your property, e.g., low vs. high ground. 

Thanks to FEMA and the NFIP, there’s a wealth of resources available to help you evaluate the general risk of flooding in your area. To determine whether your property is in a flood plain, you can use the Legal Service Corporation (LSC) flood zone lookup. 

Although the NFIP issues most flood insurance policies, you can also purchase flood insurance through private agencies such as Boss Insurance Agency, which serves the Kingwood, TX area and other parts of Texas. For a free, no-obligation consultation and overview of our services, contact us at 832-955-7288 or email one of our agents. 

Homeowners Need To Know About Flood Insurance

Most homeowners know they need home insurance in place in order to protect the investment they have made in their house, but few realize how flood insurance can impact their home protection. At Boss Insurance Agency, serving Kingwood, TX, we make it our goal to provide the best insurance information for our clients so that they can make the best insurance choices. Keep reading to learn what you need to know about flood insurance. 

Is Home Insurance Enough?

It is important for homeowners to realize that most home insurance policies do not provide flood insurance. You should note that flooding within your home because of a problem with plumbing or a malfunctioning appliance is not the same as flooding that results from a natural disaster. Most home insurance policies do not provide coverage for flooding of this nature. 

Why Is Flood Insurance Not Included?

The risk of flooding varies greatly from one region to another in the United States. This makes it difficult for insurance underwriters to create policies that suit many homeowners. Each individual homeowner will need to have their property evaluated by an insurance professional in order to create a flood insurance policy. 

What Should Homeowners Do?

If you want to add flood insurance to your home owner’s policy, you will need to sit down with an insurance representative. This professional will be able to help you better understand how you can add this important type of coverage to your existing policy. 

If you would like to learn more about flood insurance or any of our other insurance products, please contact us at Boss Insurance Agency serving Kingwood, TX, and the surrounding areas. We will be happy to answer your insurance questions. 

Do I need Flood Insurance in Kingwood if I Already Have House Insurance?

Home insurance is important. Boss Insurance Agency reminds you that home insurance protects your home from unknown events that could cause damage. Often called "Acts of God," or "Acts of Nature," these types of events can cause damage to your home. One of them is a flood.

That is why many people think that they don’t have to have flood insurance if they already have house insurance. But is this really accurate?

Not exactly.

You need home insurance to protect your home from any type of damage that might occur. This can include the following events:

  • Floods
  • Earthquake
  • Tornado and storms
  • Hurricanes
  • Vandalism and Theft
  • Mudslides
  • Sink Holes

These are just a few examples. But as you can see, house insurance covers a lot of different things. The problem is that the amount of flood insurance you have within your current home insurance policy may not cover you for all of the damage you experience in a flood. 

Definition of a Flood

A flood is defined as any time water touches your property or your home sufficient to cause damage to the property itself or the content within. Different flood insurance policies cover different levels and types of damage, so read the fine print. 

Better yet, get in touch with one of our flood insurance experts at Boss Insurance Agency of Kingwood, TX to share your concerns. Even if you are not in a direct flood plain, recent data shows that you have at least a 12% chance of experiencing a major flood in your area in the state of Texas at some time during your lifetime. 

Get in the Ark

Kingwood, TX residents have a good chance of flood, even if they live outside of a flood plain. Visit with your Boss Insurance Agency today and rest assured that, when the rains come, you’ll have an ark to save you.