Why Flood Insurance Is Essential for Texas Homeowners

Flooding is one of the most common—and costly—natural disasters in Texas. Yet, many homeowners are surprised to learn that standard homeowners insurance doesn’t cover flood damage. Whether you live in a high-risk flood zone or not, having flood insurance can make the difference between a quick recovery and a devastating financial setback.

At MAKZ Insurance Agency LLC, we believe every Texas homeowner should understand the real risks and benefits of flood insurance. Here’s why it’s essential:

1. Floods Can Happen Anywhere in Texas

Texas is no stranger to heavy rain, hurricanes, and flash flooding. In fact, almost every county in the state has experienced a flood disaster at some point. Even if you’re not in a designated flood zone, sudden storms or overflowing rivers can cause unexpected damage.

Key Point:

More than 20% of flood insurance claims come from properties outside high-risk flood areas.

2. Homeowners Insurance Doesn’t Cover Flood Damage

Many homeowners assume their standard policy protects them from all types of water damage. Unfortunately, most homeowners and renters insurance policies specifically exclude flood-related losses.

What This Means:

If your home is damaged by rising water, you’ll need a separate flood insurance policy to help with repairs and recovery.

3. Flood Damage Can Be Costly

Just one inch of water in your home can cause thousands of dollars in damage—to floors, walls, furniture, and personal belongings. Without flood insurance, you’ll be responsible for covering these costs out of pocket.

Example:

According to FEMA, the average flood claim payout is around $30,000.

4. Peace of Mind During Texas Storm Season

Hurricane season and unpredictable weather patterns can bring sudden downpours and flash floods. With flood insurance, you can rest easier knowing you’re protected from one of the state’s most unpredictable risks.

Tip:

Don’t wait until a storm is on the radar—most flood policies have a 30-day waiting period before coverage takes effect.

5. Affordable Options Are Available

Flood insurance is more affordable than many homeowners realize, especially if you live outside a high-risk area. At MAKZ Insurance Agency LLC, we work with top-rated providers to find the right coverage at a reasonable price.

How to Get Flood Insurance

• Contact a Licensed Agent: Flood insurance isn’t automatically included in your homeowners policy. You’ll need to speak with a licensed insurance professional to discuss your options.

• Evaluate Your Risk: Even if you’re not in a flood zone, consider the potential for heavy rains and local drainage issues.

• Request a Quote: We can help you compare options and find a policy that fits your needs and budget.

Why Choose MAKZ Insurance Agency LLC?

• Local Knowledge: We understand the unique risks Texas homeowners face.

• Trusted Carriers: We partner with leading flood insurance providers.

• Personalized Service: You’ll always speak directly with a licensed representative—never a call center or online-only service.

Protect your home and peace of mind today.

Call us at 281-912-3338 or request a flood insurance quote online.