Homeowners Insurance vs. Flood Insurance: Why You May Need Both in Texas

Texas homeowners face all kinds of weather, but some don’t realize that homeowners insurance does not include flood coverage. Floods are one of the most common natural disasters in the state, so having both policies is critical to recovering from unexpected damage.

What Homeowners Insurance Can Cover

Homeowners insurance may provide liability coverage if you’re responsible for others’ accidental injuries or property damage. It may also cover damage from fire, theft, vandalism, hail and certain types of water damage. Coverage may extend to the home’s structure, contents and additional living expenses if you need temporary housing during repairs.

Why Flood Insurance Is Different and Necessary

Flood insurance is available through the National Flood Insurance Program (NFIP) or some private insurers. It is a separate policy that may cover losses caused by flooding, including heavy rain, storm surges or overflowing rivers. This coverage may apply to the physical structure of your home and personal belongings.

Why Both Types of Coverage Matter

Texas has a long history of severe weather, and floods can happen far beyond designated flood zones. Inland areas can experience flash flooding after heavy rainfall. Homeowners insurance may cover storm damage from wind or hail, but without flood insurance, you could face significant out-of-pocket repair costs if floodwater damages your home. Many mortgage lenders also require flood insurance in high-risk areas.

Contact Us

A&N Insurance Agency LLC helps clients in Corpus Christi & San Antonio, TX understand their risks and secure appropriate coverage. Contact us today to get a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.