Standard Texas homeowners policies do not cover flood damage. With Houston experiencing major flooding events in recent years — Harvey, Tax Day Flood, Memorial Day Flood — understanding flood insurance is essential for every Houston-area homeowner.
Why Your Homeowners Policy Doesn't Cover Floods
The standard homeowners policy (HO-3) excludes flood damage — defined as water that enters your home from the ground level or from overflowing bodies of water. This is one of the most significant coverage gaps in residential insurance. Hurricane Harvey caused over $125 billion in damage, the vast majority of which was flood-related and not covered by standard homeowners policies.
The National Flood Insurance Program (NFIP)
The NFIP, administered by FEMA, provides flood insurance to homeowners in participating communities. Policies cover up to $250,000 for the dwelling and $100,000 for personal contents. Coverage is available regardless of whether you are in a high-risk flood zone.
Private Flood Insurance Alternatives
Private flood insurance is increasingly available in Texas at competitive rates, often with higher limits and faster claims processing than NFIP policies. Some private policies also cover additional living expenses — which NFIP does not.
Flood vs. Wind Damage: The Dispute That Defines Post-Storm Claims
After a major storm like Harvey or Beryl, the distinction between wind damage (covered) and flood damage (excluded under homeowners) becomes the central battleground. CDF Law retains forensic engineers and storm scientists to establish which force caused which damage.