Homeowners insurance doesn't cover floods. This does.
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Standard homeowners policies exclude flood damage entirely — and North Texas flash flooding doesn't check FEMA maps first. A significant share of flood claims come from properties outside designated high-risk zones, which means "I'm not in a flood zone" can be an expensive assumption.
We can help you compare National Flood Insurance Program (NFIP) coverage with private flood options, which sometimes offer higher limits or lower premiums. Keep in mind most flood policies have a waiting period before coverage begins — the best time to buy is before the storm is in the forecast.
