Flood insurance — because your homeowners policy doesn't cover it
NFIP and private flood policies for Houston-area homes. We handle both.
Flood is the most common natural disaster in the U.S., and the Houston area knows it. Your homeowners policy doesn't cover flood — not from a storm, not from a swollen bayou, not from rain that finds its way in. A separate flood policy is the only thing that covers you. We make sure yours is in place and priced right.
Why flood is more relevant here than most places
Harvey changed the map. Flood maps were updated significantly after Harvey. Many homes that weren't in Special Flood Hazard Areas before are now — or carry meaningfully higher risk even if their zone is unchanged.
It's not just a floodplain issue. Most flood damage in our region happens to homes that were never required to carry flood insurance. Rain, drainage, and Gulf weather don't respect FEMA zones.
Risk Rating 2.0 changed pricing. FEMA's new NFIP rating method prices policies on individual property risk, not just zone. Some homes are now cheaper, many are more expensive. We make sure you understand what's driving your premium.
Private flood has come a long way. For many Houston-area homes, a private flood policy now offers better coverage, higher limits, and sometimes a better price than NFIP. We shop both.
Situations we handle all the time
Your lender just told you flood is required at closing. We'll get a binder fast.
You're not in a high-risk zone but want coverage anyway. Smart. Often surprisingly affordable.
Your NFIP premium just jumped. Risk Rating 2.0 has been rolling in. We'll see what your options are.
You want a private flood comparison. Bring what you have; we'll show you the alternatives.
Ready for a real quote?
Tell us about your property and we'll shop NFIP and private flood options, usually within one business day.