A deep dive into answering questions about flooding and flood insurance

THE WOODLANDS, TX – With the number of people moving to Texas, and another season of hurricanes and storms in the forecast, figuring out what to expect and how to handle it has become a task leading to many pouring questions. Over the past few days, The Woodlands area has been hit by heavy rain, and major roads have been put in place to monitor flooding. With the rainy season from mid-summer to late autumn, people can brace themselves for the coming months because, again, it will be time to fire up the generator and wait for shopping trips on the busiest nights after the power outages.

Sometimes, it doesn’t rain, but it pours

As the personal and public safety standards for decisions about how to protect you and your belongings, planning ahead for how to deal with a disaster is important. Last year’s floods in The Woodlands have brought the question of flood insurance – even if your property is not in a flood zone – to the fore.

Woodlands Online sat down with Donna Baker, sales manager at Texan Insurance, to discuss flood and flood insurance.

What is flood insurance?

Flood insurance, unlike regular homeowner’s insurance, covers damage from rising water in the property and loss of property. This includes electrical appliances, electricity, and a large amount of personal property ranging from clothes, furniture, and so on. At the level, NFIP (National Flood Insurance Program) / FEMA (Federal Emergency Management Agency) said the areas that Building Property Insurance can cover up to. $250,000, and Personal, $100,000 in losses.

Homeowner’s insurance does not cover flood damage so it is important to make sure your home is protected against high water. “Flood insurance protects you from damage to your home and property caused by rising water from outside such as street flooding; it is not part of the homeowner’s policy and must be purchased separately,” said Baker. Recent weather events in Texas and the United States have shown the damage caused by flooding, so it’s an issue that needs to be addressed.”

What are flood zones?

Since last year, FEMA’s classification system has changed because it is now more flexible to take into account your location and the proximity of the nearest body of water. However, the area is still divided into high, low, and low areas – a valley of 500 years means that the risk is much lower than in 100 years.

This affects how much you can pay for your insurance, as some areas are considered higher risk than others. For example, living in a house by the sea means that your address can be lost every now and then. However, despite your risk – or lack thereof – Donna Baker, sales manager for Texas Insurance, said there has been at least one flood per year for the past 8 years between the states.

How much does flood insurance cost?

Depending on where you are, insurance can vary in cost. On average, insurance costs between $570-$686 per year but can be as low as $400.

Is The Woodlands a flood zone?

As a low-risk area, The Woodlands is the closest to Katy and the center of Houston. However, it is not invincible to nature, and has experienced significant flooding during Hurricane Harvey, the 2016 Tax Day Flood and more. All in all, it is considered as the BCX zone on the 500-year valley.

“The Woodlands is one of Houston’s premier neighborhoods,” Baker said. “Right now the Woodlands doesn’t flood like other neighborhoods in Houston. But, as its population continues to grow and its infrastructure continues to grow, that could change soon. Additionally, it’s good to remember that any neighborhood can flood at any time.”

Should you buy flood insurance?

Assessing where you live and what risks you believe affect your home’s condition will determine whether or not you should consider purchasing insurance. But whether your home is near the coast or in the countryside, it doesn’t reduce the chances that your home will flood. So to answer this question, it depends on you and your evaluation.

Flood insurance can be purchased by homeowners, landlords, and renters, so even if you’re paying rent instead of a mortgage, you may be covered.

Keep in mind that Texas car insurance usually goes into effect a month after you buy it, so it’s not something you want to put aside if you want to learn more. Be sure to contact your homeowner’s insurance agent for more information, and feel free to ask them to set up a plan that works best for you.