Cost of Flood Insurance in Texas and How Coverage Works

Lindsay Bishop
by
Verified
Reviewed by licensed agent Brandy Law
Updated

Flood insurance in Texas costs an average of $704 per year for a policy from the National Flood Insurance Program (NFIP).

You may be able to find lower rates by comparing quotes from private flood insurance companies.

Texas doesn't require homeowners to have flood insurance. But your mortgage lender may require you to buy a policy if your property is in a high-risk flood zone.

Flood insurance is also a good idea in many parts of Texas, because flood damage isn't covered by homeowners or renters insurance policies.

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Cost of flood insurance in Texas

The average cost of flood insurance in Texas is $704 per year for a policy with around $300,000 of coverage through the National Flood Insurance Program (NFIP).

Flood insurance quotes in Texas can range from just $100 per year to more than $2,000, based on where you live, how your home is built and the property's elevation.

Average cost of flood insurance in Texas by city

[table align="left right" show_search="true" max_default_rows="5" footnote="] City|Avg annual cost _ Abernathy|$207 _ Abilene|$840 _ Addison|$628 _ Agua Dulce|$521 _ Alamo|$486 _ Alamo Heights|$513 _ Albany|$616 _ Aledo|$461 _ Alice|$630 _ Allen|$574 _ Alpine|$1,126 _ Alto|$362 _ Alton|$714 _ Alvarado|$1,410 _ Alvin|$585 _ Amarillo|$620 _ Ames|$511 _ Anahuac|$1,790 _ Andrews|$499 _ Angleton|$629 _ Anna|$1,721 _ Annetta|$484 _ Annetta South|$1,147 _ Anson|$813 _ Anthony|$352 _ Anton|$464 _ Appleby|$529 _ Aransas Pass|$771 _ Arcola|$642 _ Argyle|$810 _ Arlington|$581 _ Athens|$690 _ Atlanta|$1,060 _ Aubrey|$804 _ Austin|$468 _ Austwell|$456 _ Avery|$417 _ Azle|$554 _ Bailey's Prairie|$673 _ Baird|$500 _ Balch Springs|$736 _ Balcones Heights|$1,259 _ Ballinger|$1,060 _ Balmorhea|$628 _ Bandera|$2,835 _ Bangs|$390 _ Bardwell|$542 _ Bartlett|$500 _ Bartonville|$627 _ Bastrop|$953 _ Bay City|$20,420 _ Bayou Vista|$1,337 _ Bayside|$562 _ Baytown|$608 _ Bayview|$482 _ Beach City|$570 _ Bear Creek|$584 _ Beasley|$491 _ Beaumont|$799 _ Bedford|$682 _ Bee Cave|$495 _ Beeville|$652 _ Bellaire|$1,446 _ Bellmead|$3,466 _ Bellville|$635 _ Belton|$987 _ Benavides|$679 _ Benbrook|$771 _ Berryville|$647 _ Bertram|$563 _ Beverly Hills|$848 _ Bevil Oaks|$528 _ Big Oaks|$560 _ Big Spring|$682 _ Bishop|$522 _ Bishop Hills|$661 _ Blanco|$550 _ Blossom|$242 _ Blue Mound|$480 _ Blum|$898 _ Boerne|$873 _ Bonham|$665 _ Bonney|$804 _ Booker|$836 _ Borger|$549 _ Bowie|$622 _ Boyd|$528 _ Brady|$1,466 _ Brazoria|$593 _ Brazos Country|$570 _ Breckenridge|$963 _ Brenham|$2,158 _ Briarcliff|$520 _ Briaroaks|$694 _ Bridge City|$671 _ Bridgeport|$1,337 _ Bronte|$444 _ Brookshire|$480 _ Brookside Village|$813 _ Brownfield|$660 _ Brownsboro|$1,423 _ Brownsville|$564 _ Brownwood|$679 _ Bruceville-Eddy|$371 _ Bryan|$419 _ Buda|$466 _ Buffalo Gap|$536 _ Buffalo Springs|$747 _ Bullard|$531 _ Bulverde|$743 _ Bunker Hill Village|$575 _ Burkburnett|$431 _ Burleson|$646 _ Burnet|$723 _ Caddo Mills|$455 _ Caldwell|$864 _ Callisburg|$771 _ Calvert|$326 _ Cameron|$454 _ Camp Wood|$1,204 _ Canton|$307 _ Canyon|$1,251 _ Cape Coral|$369 _ Carmine|$2,231 _ Carrizo Springs|$497 _ Carrollton|$674 _ Carthage|$534 _ Castle Hills|$739 _ Castroville|$609 _ Cedar Hill|$589 _ Cedar Park|$502 _ Celeste|$625 _ Celina|$516 _ Center|$885 _ Center Point|$4,929 _ Centerville|$559 _ Chandler|$610 _ Chelford|$511 _ China|$567 _ China Grove|$661 _ Cibolo|$974 _ Cisco|$483 _ Clarendon|$918 _ Clarksville City|$788 _ Clear Lake Shores|$794 _ Cleburne|$635 _ Cleveland|$1,069 _ Clifton|$1,074 _ Clint|$455 _ Clute|$692 _ Clyde|$469 _ Coahoma|$349 _ Coleman|$1,096 _ College Station|$496 _ Colleyville|$583 _ Collinsville|$506 _ Colmesneil|$473 _ Columbus|$894 _ Comanche|$602 _ Combes|$443 _ Commerce|$566 _ Como|$552 _ Conroe|$518 _ Converse|$515 _ Coppell|$554 _ Copper Canyon|$644 _ Copperas Cove|$500 _ Corinth|$556 _ Corpus Christi|$799 _ Corsicana|$1,021 _ Cottonwood Shores|$688 _ Cotulla|$983 _ Cove|$555 _ Crandall|$809 _ Crane|$2,333 _ Cranfills Gap|$501 _ Creedmoor|$1,623 _ Crockett|$583 _ Crosbyton|$427 _ Cross Roads|$612 _ Cross Timber|$569 _ Crowell|$2,839 _ Crowley|$606 _ Crystal Beach|$605 _ Crystal City|$618 _ Cuero|$591 _ Cut And Shoot|$571 _ Daingerfield|$515 _ Daisetta|$495 _ Dalhart|$648 _ Dallas|$510 _ Dalworthington Gardens|$682 _ Danbury|$542 _ Darrouzett|$570 _ Dawson|$570 _ Dayton|$503 _ De Leon|$1,538 _ Decatur|$775 _ Decordova|$518 _ Deer Park|$586 _ Del Rio|$1,002 _ Dell City|$3,085 _ Denison|$856 _ Denton|$585 _ Denver City|$845 _ Deport|$614 _ Desoto|$882 _ Devers|$617 _ Devine|$682 _ Diboll|$858 _ Dickinson|$664 _ Dilley|$438 _ Dimmitt|$398 _ Dish|$412 _ Donna|$403 _ Double Oak|$531 _ Dripping Springs|$494 _ Driscoll|$584 _ Dublin|$565 _ Duncanville|$826 _ Eagle Lake|$495 _ Eagle Pass|$624 _ Early|$945 _ Earth|$671 _ East Bernard|$789 _ Eastland|$895 _ Ector|$475 _ Edcouch|$528 _ Edgecliff Village|$843 _ Edinburg|$492 _ Edna|$725 _ El Campo|$1,197 _ El Dorado|$330 _ El Lago|$691 _ El Paso|$685 _ Elgin|$495 _ Elmendorf|$801 _ Elsa|$576 _ Enchanted Oaks|$595 _ Ennis|$590 _ Euless|$644 _ Eustace|$2,047 _ Everman|$826 _ Fair Oaks Ranch|$666 _ Fairchilds|$634 _ Fairfield|$481 _ Fairview|$667 _ Falfurrias|$730 _ Falls City|$545 _ Farmers Branch|$962 _ Farmersville|$1,054 _ Fate|$718 _ Fayette |$696 _ Fayetteville|$533 _ Ferris|$455 _ First Colony|$498 _ Flatonia|$548 _ Florence|$922 _ Floresville|$825 _ Flower Mound|$576 _ Floydada|$888 _ Forest Hill|$917 _ Forney|$716 _ Fort Stockton|$970 _ Fort Worth|$642 _ Fredericksburg|$587 _ Freeport|$1,152 _ Freer|$752 _ Friendswood|$572 _ Frisco|$493 _ Fulshear|$492 _ Fulton|$658 _ Gainesville|$1,273 _ Galena Park|$669 _ Galveston|$1,422 _ Ganado|$702 _ Garden Ridge|$671 _ Garland|$885 _ Gatesville|$620 _ George West|$1,231 _ Georgetown|$563 _ Gholson|$1,527 _ Giddings|$500 _ Gilmer|$532 _ Gladewater|$774 _ Glen Rose|$2,224 _ Glenn Heights|$651 _ Godley|$2,312 _ Goliad|$474 _ Gonzales|$698 _ Gordon|$458 _ Graford|$488 _ Graham|$770 _ Granbury|$528 _ Grand Prairie|$555 _ Grand Saline|$1,634 _ Grandview|$1,006 _ Granger|$666 _ Granite Shoals|$767 _ Grapeland|$522 _ Grapevine|$1,684 _ Greenville|$1,131 _ Gregory|$1,067 _ Grey Forest|$628 _ Groom|$566 _ Groves|$539 _ Groveton|$470 _ Gun Barrel City|$580 _ Gunter|$696 _ Hallettsville|$1,475 _ Haltom City|$1,186 _ Hamilton|$2,023 _ Hamlin|$871 _ Hardin|$466 _ Harker Heights|$564 _ Harlingen|$450 _ Haskell|$539 _ Haslet|$831 _ Hawkins|$468 _ Hawley|$2,422 _ Hays|$494 _ Hearne|$1,044 _ Heath|$561 _ Hedwig Village|$645 _ Helotes|$603 _ Hemphill|$2,759 _ Hempstead|$575 _ Henderson|$541 _ Henrietta|$1,439 _ Hereford|$481 _ Hewitt|$568 _ Hickory Creek|$538 _ Hico|$471 _ Hidalgo|$700 _ Hideaway|$541 _ Highland Haven|$748 _ Highland Park|$720 _ Highland Village|$587 _ Hill Country Village|$533 _ Hillcrest Village|$586 _ Hillsboro|$826 _ Hilshire Village|$572 _ Hitchcock|$1,287 _ Holiday Lakes|$542 _ Hollywood Park|$495 _ Hondo|$592 _ Hooks|$799 _ Horseshoe Bay|$567 _ Houston|$1,029 _ Howe|$1,515 _ Hudson|$545 _ Hudson Oaks|$587 _ Hughes Springs|$1,417 _ Humble|$1,633 _ Hunter'S Creek Village|$609 _ Huntsville|$554 _ Hurst|$780 _ Hutchins|$912 _ Hutto|$502 _ Indian Lake|$343 _ Ingleside|$582 _ Ingleside On The Bay|$1,378 _ Ingram|$1,309 _ Iowa Colony|$588 _ Iowa Park|$870 _ Iraan|$802 _ Iredell|$2,205 _ Irving|$778 _ Italy|$780 _ Jacinto City|$1,240 _ Jacksboro|$367 _ Jacksonville|$870 _ Jamaica Beach|$676 _ Jasper|$934 _ Jayton|$3,325 _ Jefferson|$482 _ Jersey Village|$768 _ Joaquin|$568 _ Johnson City|$509 _ Jones Creek|$564 _ Jonestown|$796 _ Josephine|$586 _ Joshua|$660 _ Jourdanton|$1,183 _ Junction|$1,384 _ Justin|$604 _ Katy|$615 _ Kaufman|$542 _ Keene|$621 _ Keller|$552 _ Kemah|$2,143 _ Kemp|$1,430 _ Kendleton|$464 _ Kenedy|$492 _ Kenefick|$461 _ Kennedale|$817 _ Kerens|$2,517 _ Kerrville|$598 _ Kilgore|$1,176 _ Killeen|$760 _ Kingsbridge|$561 _ Kingsville|$558 _ Kirby|$628 _ Kirbyville|$741 _ Knox City|$416 _ Kountze|$661 _ Krugerville|$523 _ Krum|$721 _ Kyle|$540 _ La Coste|$558 _ La Feria|$392 _ La Grange|$776 _ La Grulla|$677 _ La Joya|$402 _ La Marque|$671 _ La Porte|$684 _ La Vernia|$954 _ La Villa|$468 _ Lacy-Lakeview|$1,047 _ Lago Vista|$435 _ Laguna Vista|$539 _ Lake Bridgeport|$1,259 _ Lake City|$616 _ Lake Dallas|$554 _ Lake Jackson|$643 _ Lake Tanglewood|$686 _ Lake Worth|$364 _ Lakeside|$540 _ Lakeside City|$596 _ Lakeway|$584 _ Lakewood Village|$346 _ Lamesa|$729 _ Lampasas|$539 _ Lancaster|$875 _ Laredo|$586 _ Lavon|$631 _ Laward|$660 _ League City|$621 _ Leakey|$474 _ Leander|$571 _ Leon Valley|$846 _ Leonard|$632 _ Levelland|$683 _ Lewisville|$750 _ Lexington|$402 _ Liberty|$692 _ Liberty Hill|$566 _ Lindale|$493 _ Linden|$125 _ Lindsay|$1,167 _ Lipan|$438 _ Little Elm|$507 _ Little River-Academy|$499 _ Littlefield|$438 _ Live Oak|$533 _ Liverpool|$587 _ Livingston|$1,191 _ Llano|$652 _ Lockhart|$626 _ Log Cabin|$571 _ Lone Star|$463 _ Longview|$878 _ Lorena|$384 _ Los Fresnos|$524 _ Los Indios|$546 _ Lovelady|$422 _ Lowry Crossing|$649 _ Lubbock|$583 _ Lucas|$639 _ Lufkin|$1,138 _ Luling|$754 _ Lumberton|$551 _ Lyford|$551 _ Lytle|$690 _ Mabank|$702 _ Madisonville|$1,058 _ Magnolia|$416 _ Malakoff|$3,433 _ Manor|$604 _ Mansfield|$615 _ Manvel|$596 _ Marble Falls|$1,092 _ Marfa|$495 _ Marion|$872 _ Marlin|$461 _ Marquez|$381 _ Marshall|$785 _ Mart|$564 _ Martindale|$1,037 _ Mason|$812 _ Mathis|$663 _ Maypearl|$1,034 _ Mcallen|$510 _ Mcgregor|$565 _ Mckinney|$548 _ Mclendon-Chisholm|$687 _ Meadowlakes|$775 _ Meadows Place|$563 _ Melissa|$569 _ Memphis|$460 _ Menard|$889 _ Mercedes|$715 _ Merkel|$333 _ Mertzon|$753 _ Mesquite|$1,064 _ Mexia|$691 _ Midland|$604 _ Midlothian|$640 _ Mildred|$597 _ Miles|$488 _ Mineola|$585 _ Mineral Wells|$751 _ Mingus|$567 _ Mission|$451 _ Mission Bend|$622 _ Missouri City|$564 _ Monahans|$510 _ Mont Belvieu|$1,181 _ Montgomery|$510 _ Morgan's Point Resort|$538 _ Morgans Point|$807 _ Moulton|$667 _ Mount Calm|$589 _ Mount Pleasant|$396 _ Mountain City|$385 _ Muenster|$672 _ Muleshoe|$487 _ Murchison|$643 _ Murphy|$714 _ Mustang Ridge|$598 _ Nacogdoches|$1,109 _ Nash|$475 _ Nassau Bay|$997 _ Natalia|$1,245 _ Navasota|$1,104 _ Nederland|$1,067 _ Needville|$531 _ New Berlin|$615 _ New Boston|$715 _ New Braunfels|$706 _ New Fairview|$175 _ New Hope|$551 _ New Orleans|$570 _ New Waverly|$597 _ Newcastle|$336 _ Newton|$1,301 _ Nolanville|$474 _ Nome|$567 _ Noonday|$425 _ North Richland Hills|$671 _ Northlake|$673 _ Oak Leaf|$701 _ Oak Point|$470 _ Oak Ridge|$544 _ Oak Ridge North|$641 _ Oakwood|$797 _ Odem|$588 _ Odessa|$606 _ Old River-Winfree|$567 _ Olmos Park|$549 _ Olney|$506 _ Olton|$451 _ Onalaska|$630 _ Orange|$1,002 _ Orange Grove|$447 _ Orchard|$505 _ Overton|$511 _ Ovilla|$613 _ Oyster Creek|$716 _ Palacios|$670 _ Palestine|$632 _ Palisades|$1,066 _ Palm Valley|$379 _ Palmer|$797 _ Palmhurst|$500 _ Pampa|$2,221 _ Panhandle|$494 _ Panorama Village|$560 _ Pantego|$620 _ Paris|$623 _ Parker|$894 _ Pasadena|$1,263 _ Pattison|$444 _ Patton Village|$668 _ Payne Springs|$588 _ Pearland|$562 _ Pearsall|$853 _ Pecan Grove|$561 _ Pecan Hill|$491 _ Pecos|$1,585 _ Pelican Bay|$503 _ Pflugerville|$547 _ Pharr|$545 _ Pilot Point|$300 _ Pine Forest|$596 _ Pinehurst|$705 _ Piney Point Village|$700 _ Pittsburg|$333 _ Plains|$1,132 _ Plainview|$986 _ Plano|$573 _ Pleak|$605 _ Pleasant Valley|$487 _ Pleasanton|$1,534 _ Plum Grove|$738 _ Point Blank|$587 _ Point Comfort|$666 _ Point Venture|$709 _ Ponder|$511 _ Port Aransas|$685 _ Port Arthur|$632 _ Port Isabel|$883 _ Port Lavaca|$654 _ Port Neches|$578 _ Portland|$519 _ Post|$619 _ Poteet|$612 _ Poth|$492 _ Pottsboro|$449 _ Prairie View|$473 _ Premont|$640 _ Presidio|$460 _ Primera|$504 _ Princeton|$780 _ Prosper|$487 _ Quinlan|$777 _ Quintana|$5,965 _ Rancho Viejo|$1,201 _ Ranger|$496 _ Rangerville|$894 _ Ransom Canyon|$706 _ Raymondville|$556 _ Red Oak|$572 _ Refugio|$562 _ Reno|$906 _ Rhome|$602 _ Rice|$542 _ Richardson|$666 _ Richland Hills|$812 _ Richmond|$650 _ Richwood|$585 _ Rio Grande City|$996 _ Rio Hondo|$897 _ River Oaks|$729 _ Riverside|$626 _ Roanoke|$551 _ Robinson|$550 _ Robstown|$497 _ Rockdale|$529 _ Rockport|$698 _ Rockwall|$874 _ Rollingwood|$812 _ Roma|$482 _ Roman Forest|$583 _ Roscoe|$828 _ Rose City|$783 _ Rose Hill Acres|$610 _ Rosenberg|$619 _ Ross|$430 _ Round Rock|$864 _ Round Top|$532 _ Rowlett|$550 _ Roxton|$525 _ Royse City|$561 _ Rule|$270 _ Runaway Bay|$741 _ Rusk|$7,683 _ Sabinal|$568 _ Sachse|$557 _ Saginaw|$656 _ Salado|$1,127 _ San Angelo|$775 _ San Antonio|$640 _ San Augustine|$4,060 _ San Benito|$466 _ San Diego|$484 _ San Felipe|$1,224 _ San Juan|$449 _ San Leanna|$706 _ San Marcos|$666 _ San Patricio|$587 _ San Perlita|$778 _ San Saba|$550 _ Sanctuary|$567 _ Sandy Point|$506 _ Sanger|$527 _ Sansom Park|$352 _ Santa Clara|$486 _ Santa Fe|$572 _ Santa Rosa|$440 _ Schertz|$630 _ Schulenburg|$515 _ Scurry|$567 _ Seabrook|$1,072 _ Seadrift|$635 _ Seagoville|$541 _ Seagraves|$500 _ Sealy|$597 _ Seguin|$1,432 _ Selma|$831 _ Seminole|$566 _ Seven Points|$806 _ Seymour|$1,241 _ Shady Shores|$532 _ Shallowater|$510 _ Shamrock|$351 _ Shavano Park|$655 _ Shenandoah|$669 _ Shepherd|$626 _ Sherman|$1,110 _ Shiner|$910 _ Shoreacres|$1,541 _ Silsbee|$509 _ Simonton|$605 _ Sinton|$888 _ Slaton|$536 _ Smithville|$653 _ Snook|$508 _ Snyder|$1,667 _ Socorro|$497 _ Somerset|$616 _ Somerville|$897 _ Sonora|$773 _ Sour Lake|$545 _ South Houston|$1,215 _ South Padre Island|$314 _ Southlake|$518 _ Southmayd|$1,049 _ Southside Place|$765 _ Spearman|$405 _ Splendora|$939 _ Spring Branch|$1,021 _ Spring Valley Village|$572 _ Springtown|$971 _ St. Hedwig|$602 _ Stafford|$608 _ Stagecoach|$646 _ Stamford|$371 _ Stanton|$1,721 _ Staples|$2,296 _ Star Harbor|$518 _ Stephenville|$654 _ Sterling City|$657 _ Stockdale|$803 _ Sugar Land|$570 _ Sulphur Springs|$1,093 _ Sundown|$323 _ Sunnyvale|$650 _ Sunray|$810 _ Sunrise Beach Village|$836 _ Sunset Valley|$1,029 _ Surfside Beach|$1,551 _ Sweeny|$607 _ Sweetwater|$486 _ Taft|$524 _ Tahoke|$314 _ Talty|$611 _ Tatum|$517 _ Taylor|$601 _ Taylor Lake Village|$845 _ Taylor Landing|$618 _ Teague|$640 _ Temple|$492 _ Terrell|$688 _ Terrell Hills|$620 _ Texarkana|$943 _ Texas City|$595 _ The Colony|$519 _ The Hills|$540 _ Thompsons|$670 _ Thrall|$414 _ Three Rivers|$492 _ Tiki Island|$1,593 _ Timbercreek Canyon|$590 _ Tioga|$506 _ Tolar|$1,104 _ Tomball|$626 _ Tool|$510 _ Trent|$576 _ Trenton|$604 _ Trinidad|$566 _ Trinity|$1,312 _ Trophy Club|$480 _ Troup|$512 _ Troy|$426 _ Tulia|$383 _ Tuscola|$1,086 _ Tyler|$1,660 _ Uncertain|$889 _ Union Valley|$1,646 _ Universal City|$549 _ University Park|$593 _ Uvalde|$606 _ Van|$605 _ Van Alstyne|$570 _ Van Horn|$347 _ Venus|$823 _ Vernon|$577 _ Victoria|$567 _ Vidor|$876 _ Volente|$2,129 _ Von Ormy|$550 _ Waco|$589 _ Waelder|$391 _ Wake Village|$706 _ Waller|$769 _ Wallis|$568 _ Walnut Springs|$405 _ Watauga|$697 _ Waxahachie|$555 _ Weatherford|$662 _ Webster|$771 _ Weimar|$391 _ Weir|$394 _ Wellington|$458 _ Wells|$448 _ Weslaco|$560 _ West Columbia|$559 _ West Keegans Bayou|$514 _ West Lake Hills|$542 _ West Orange|$945 _ West University Place|$602 _ Westlake|$614 _ Westminster|$347 _ Weston|$963 _ Weston Lakes|$582 _ Westover Hills|$589 _ Westworth Village|$521 _ Wharton|$799 _ Wheeler|$569 _ White Oak|$548 _ White Settlement|$587 _ Whitehouse|$864 _ Whitney|$1,057 _ Wichita Falls|$763 _ Willis|$625 _ Willow Fork|$544 _ Willow Park|$464 _ Wills Point|$510 _ Wilmer|$536 _ Wimberley|$892 _ Windcrest|$704 _ Winnsboro|$2,036 _ Winters|$500 _ Wixon Valley|$363 _ Wolfforth|$495 _ Woodbranch|$687 _ Woodcreek|$615 _ Woodloch|$1,761 _ Woodsboro|$500 _ Woodville|$1,344 _ Woodway|$544 _ Wylie|$459 _ Yoakum|$947 _ Yorktown|$690 _ Zavalla|$551 _ [/table] Compare Rates

Two of the biggest factors in determining your flood insurance costs are your home's location on a flood map and elevation. Insurance companies also consider factors like whether the home is your primary residence or a vacation property.

Example

Each NFIP flood insurance policy comes with a yearly charge of around $25. However, it increases to $250 if your house is used as a rental property or you live there for less than half of the year.

Do you need flood insurance in Texas?

The state of Texas doesn't require homeowners to have flood insurance.

If you have a loan on your home, your mortgage company may require you to buy flood insurance.

This is usually the case if your home is in a high-risk zone on flood maps. These areas are considered to have a higher risk of flooding.

Even if you're not required to have flood insurance, you may want to buy coverage. Flood damage isn't covered by homeowners or renters insurance policies. If you don't have a separate flood insurance policy, you'll have to pay to repair any damage to your home or property caused by flood waters.

Texas has some of the highest fatality rates and property damage costs due to flooding. A number of weather events that are common in Texas can cause flooding, like flash floods, heavy rains, tropical storms and hurricanes.

Nearly 1 in 4 flood losses happen in areas that aren't considered high-risk. So, even when coverage isn't required, it doesn't necessarily mean your property is safe.

How to get flood insurance in Texas

You can buy NFIP flood insurance from most insurance companies and agents in Texas.

The NFIP is a federal program, so the rates won't change from one company to the next. You should consider buying flood insurance and homeowners insurance from the same company, if you can. It will make your life a lot easier to have a single point of contact if your home is damaged in a major storm.

Largest federal flood insurance companies in Texas

Company
Market share %
Wright National Flood31%
Assurant14%
Allstate13%
Farmers12%
USAA*8%
Show All Rows

*USAA flood insurance is only available to military members, veterans and their families.

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You should also compare quotes from private flood insurance companies to make sure you're getting the cheapest rates.

Private flood insurance policies typically have similar or lower rates than you'll get from the NFIP. You will usually have more options to customize your policy, too.

Many companies sell both private and NIFP insurance, including:

  • Assurant
  • Allstate
  • Liberty Mutual
  • Wright National Flood
  • Tokio Marine
  • The Hanover
  • Progressive

Texas homeowners can also buy private flood insurance from well-known national insurance companies like Chubb and Nationwide along with lots of lesser-known options. You will probably have to work with an insurance agent to get a private flood insurance policy.

Texas flood insurance coverage

Flood insurance from the NFIP has maximum coverage limits of $250,000 for your house's structure and $100,000 for its contents. You can usually get a policy with higher limits through a private flood insurance company.

If you're a renter in Texas, then your landlord would be responsible for the structure, and your policy would be limited to $100,000 of personal property coverage through the NFIP.

Even if your flood damage is less than your coverage limits, the policy still limits the type of damage that's covered.

An NFIP policy in Texas generally covers:

  • Standard home systems: This includes your electrical system, furnace, water heater, plumbing and air conditioner.
  • Carpeting and installed features: This includes built-in cabinets, bookcases and paneling.
  • Appliances and personal property: Appliances, like your refrigerator and washing machine, are generally covered unless they're kept in your basement. The same applies to personal items including clothing, electronics and furniture.
  • Foundation and support structures: Staircases are covered, as long as they're built into your house.
  • Detached garage: A maximum of 10% of your policy's dwelling coverage can be applied to a detached garage.

A federal flood insurance policy from the NFIP has lots of exclusions, or things it won't pay for. Common reasons an NFIP flood insurance policy would not cover damage include:

  • The damage was caused by earth movement, like a sinkhole or landslide, even if the earth movement can be traced to flooding. You would typically need earthquake insurance for protection against earth movement.
  • The damage is to the basement or property you keep there.
  • In some cases, damage from flooding due to a sewer backup. This damage is usually covered by your home insurance policy, but only if you have a water backup endorsement.
  • Your car was damaged in a flood. Car damage is covered by your auto insurance if you have comprehensive coverage.
  • You have extra costs from lost income or temporary relocation due to flood damage.
  • Certain detached property features were damaged. This can include plants, decks, patios, fences and walkways.

Frequently asked questions

How much is flood insurance in Texas?

Flood insurance in Texas costs an average of $59 per month for around $300,000 of coverage from the NFIP. Your quotes may vary depending on a number of things, like where you live in Texas, the elevation of your home and the materials it was built with.

How much is flood insurance in Houston?

Flood insurance in Houston costs $86 per month for an NFIP policy, on average. That's $27 more per month than the average cost of flood insurance in Texas. The typical policy in Houston includes $312,500 of coverage.

Is flood insurance expensive in Texas?

Flood insurance in Texas is 5% cheaper than the national average, which is $742 per year for an NFIP policy. However, your policy may be more expensive if you live near the coast or a large body of water.

Methodology

To find the average cost of flood insurance in Texas, ValuePenguin studied public data provided by the National Flood Insurance Program (NFIP).

Market share data for the largest flood insurance companies in Texas was provided by S&P Global, a financial data resource for the insurance industry.

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