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Damages caused by floods are typically not covered by homeowners or renters insurance. To protect yourself from this risk, purchase a separate flood insurance policy.

Flood insurance costs vary based on the flood risk of your area and individual property risks, such as your home’s elevation, physical structure and rebuilding cost.

You can check a local flood map to see your area’s flood risk. Getting flood insurance — even if you live in a low-risk area — will help you avoid shouldering exorbitant flood damage costs. According to the Federal Emergency Management Agency (FEMA), even an inch of water can cost up to $25,000 in damages to a home.


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Texans pay around $678 per year for flood insurance.

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There are two types of flood insurance coverage: building coverage and contents coverage.

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Your home’s flood risk, age and structure — along with your coverage type and deductible — can affect your insurance premium.

Average Cost of Flood Insurance in Texas

The average cost of flood insurance in Texas is $678 per year. However, your rate may vary based on the flood risk of your county. Insurance for homes within moderate-risk or high-risk flood zones is usually more expensive.

Average Cost of Flood Insurance by County in Texas

The average flood insurance policy in the state of Texas is $90 cheaper than the national average. However, your county’s flood risk will significantly affect your rate.

MoneyGeek found that flood insurance is cheapest in Lorain County, where premiums average $137 per year. On the other hand, Hudspeth County is the most expensive at $5,887 per year. See the table below to learn more about average flood insurance rates in other Texas counties.

Texas Flood Insurance Cost Per County
County
Average Cost

ANDERSON COUNTY

$741

ANDREWS COUNTY

$499

ANGELINA COUNTY

$1,027

ARANSAS COUNTY

$640

ARCHER COUNTY

$555

ATASCOSA COUNTY

$1,113

AUSTIN COUNTY

$668

BAILEY COUNTY

$1,626

BANDERA COUNTY

$737

BASTROP COUNTY

$825

BAYLOR COUNTY

$1,142

BEE COUNTY

$789

BELL COUNTY

$842

BEXAR COUNTY

$781

BLANCO COUNTY

$634

BOSQUE COUNTY

$1,301

BOWIE COUNTY

$1,049

BRAZORIA COUNTY

$657

BRAZOS COUNTY

$642

BREWSTER COUNTY

$1,205

BROOKS COUNTY

$1,034

BROWN COUNTY

$988

BURLESON COUNTY

$1,405

BURNET COUNTY

$1,080

CALCASIEU PARISH

$504

CALDWELL COUNTY

$779

CALHOUN COUNTY

$827

CALLAHAN COUNTY

$417

CAMERON COUNTY

$550

CAMP COUNTY

$841

CARSON COUNTY

$1,052

CASS COUNTY

$1,297

CASTRO COUNTY

$383

CHAMBERS COUNTY

$602

CHEROKEE COUNTY

$1,020

CHILDRESS COUNTY

$655

CLAY COUNTY

$1,222

COKE COUNTY

$672

COLEMAN COUNTY

$981

COLLIN COUNTY

$596

COLLINGSWORTH COUNTY

$1,466

COLORADO COUNTY

$811

COMAL COUNTY

$688

COMANCHE COUNTY

$963

COOKE COUNTY

$1,160

CORYELL COUNTY

$594

CROCKETT COUNTY

$1,353

CROSBY COUNTY

$1,446

CULBERSON COUNTY

$2,067

DALLAM COUNTY

$949

DALLAS COUNTY

$820

DAWSON COUNTY

$1,630

DEAF SMITH COUNTY

$429

DENTON COUNTY

$692

DEWITT COUNTY

$803

DIMMIT COUNTY

$2,691

DONA ANA COUNTY

$1,016

DONLEY COUNTY

$907

DUVAL COUNTY

$1,135

EASTLAND COUNTY

$1,404

ECTOR COUNTY

$1,561

ELLIS COUNTY

$811

EL PASO COUNTY

$774

ERATH COUNTY

$945

FALLS COUNTY

$441

FANNIN COUNTY

$1,114

FAYETTE COUNTY

$747

FLOYD COUNTY

$1,314

FOARD COUNTY

$2,373

FORT BEND COUNTY

$512

FRANKLIN COUNTY

$605

FREESTONE COUNTY

$833

FRIO COUNTY

$787

GAINES COUNTY

$1,160

GALVESTON COUNTY

$905

GARZA COUNTY

$551

GILLESPIE COUNTY

$745

GOLIAD COUNTY

$705

GONZALES COUNTY

$1,197

GRAY COUNTY

$1,257

GRAYSON COUNTY

$1,339

GREGG COUNTY

$1,049

GRIMES COUNTY

$881

GUADALUPE COUNTY

$1,157

HALE COUNTY

$1,371

HALL COUNTY

$375

HAMILTON COUNTY

$1,721

HANSFORD COUNTY

$424

HARDIN COUNTY

$612

HARRIS COUNTY

$648

HARRISON COUNTY

$1,047

HARTLEY COUNTY

$932

HASKELL COUNTY

$544

HAYS COUNTY

$685

HENDERSON COUNTY

$819

HIDALGO COUNTY

$533

HILL COUNTY

$827

HOCKLEY COUNTY

$1,224

HOOD COUNTY

$760

HOPKINS COUNTY

$1,309

HOUSTON COUNTY

$813

HOWARD COUNTY

$1,277

HUDSPETH COUNTY

$5,887

HUNT COUNTY

$984

HUTCHINSON COUNTY

$602

IRION COUNTY

$1,088

JACK COUNTY

$557

JACKSON COUNTY

$747

JASPER COUNTY

$654

JEFF DAVIS COUNTY

$718

JEFFERSON COUNTY

$597

JIM HOGG COUNTY

$919

JIM WELLS COUNTY

$796

JOHNSON COUNTY

$855

JONES COUNTY

$1,183

KARNES COUNTY

$789

KAUFMAN COUNTY

$742

KENDALL COUNTY

$824

KERR COUNTY

$956

KIMBLE COUNTY

$1,328

KINNEY COUNTY

$918

KLEBERG COUNTY

$653

KNOX COUNTY

$739

LAMAR COUNTY

$754

LAMB COUNTY

$1,042

LAMPASAS COUNTY

$797

LA SALLE COUNTY

$1,036

LAVACA COUNTY

$1,098

LEE COUNTY

$704

LEON COUNTY

$873

LIBERTY COUNTY

$681

LIMESTONE COUNTY

$864

LIPSCOMB COUNTY

$1,237

LIVE OAK COUNTY

$1,091

LLANO COUNTY

$986

LORAIN COUNTY

$137

LUBBOCK COUNTY

$1,226

LYNN COUNTY

$269

MADISON COUNTY

$1,168

MARION COUNTY

$717

MARTIN COUNTY

$2,171

MASON COUNTY

$832

MATAGORDA COUNTY

$952

MAVERICK COUNTY

$1,028

MCCULLOCH COUNTY

$1,448

MCLENNAN COUNTY

$1,058

MCMULLEN COUNTY

$1,098

MEDINA COUNTY

$903

MENARD COUNTY

$992

MIDLAND COUNTY

$1,112

MILAM COUNTY

$650

MITCHELL COUNTY

$692

MONTAGUE COUNTY

$892

MONTGOMERY COUNTY

$568

MOORE COUNTY

$1,593

MORRIS COUNTY

$702

NACOGDOCHES COUNTY

$1,028

NAVARRO COUNTY

$1,290

NEWTON COUNTY

$731

NOLAN COUNTY

$1,119

NUECES COUNTY

$687

ORANGE COUNTY

$707

PALO PINTO COUNTY

$756

PANOLA COUNTY

$487

PARKER COUNTY

$900

PARMER COUNTY

$655

PECOS COUNTY

$2,281

POLK COUNTY

$752

PONCE MUNICIPIO

$269

POTTER COUNTY

$1,428

PRESIDIO COUNTY

$1,960

RAINS COUNTY

$864

RANDALL COUNTY

$872

REAL COUNTY

$849

RED RIVER COUNTY

$2,615

REEVES COUNTY

$1,465

REFUGIO COUNTY

$548

ROBERTSON COUNTY

$1,466

ROCKWALL COUNTY

$730

RUNNELS COUNTY

$1,499

RUSK COUNTY

$942

SABINE COUNTY

$1,531

SAN AUGUSTINE COUNTY

$1,255

SAN JACINTO COUNTY

$717

SAN PATRICIO COUNTY

$725

SAN SABA COUNTY

$947

SCHLEICHER COUNTY

$591

SCURRY COUNTY

$1,781

SHACKELFORD COUNTY

$1,098

SHELBY COUNTY

$967

SMITH COUNTY

$818

SOMERVELL COUNTY

$2,269

STARR COUNTY

$964

STEPHENS COUNTY

$1,142

STERLING COUNTY

$1,267

SUTTON COUNTY

$885

SWISHER COUNTY

$677

TARRANT COUNTY

$923

TAYLOR COUNTY

$1,031

TERRELL COUNTY

$426

TERRY COUNTY

$1,022

TITUS COUNTY

$709

TOM GREEN COUNTY

$922

TRAVIS COUNTY

$737

TRINITY COUNTY

$685

TYLER COUNTY

$678

UPSHUR COUNTY

$1,246

UVALDE COUNTY

$1,041

VAL VERDE COUNTY

$1,222

VAN ZANDT COUNTY

$827

VICTORIA COUNTY

$674

WALKER COUNTY

$738

WALLER COUNTY

$673

WARD COUNTY

$448

WASHINGTON COUNTY

$589

WEBB COUNTY

$1,197

WHARTON COUNTY

$893

WHEELER COUNTY

$1,614

WICHITA COUNTY

$961

WILBARGER COUNTY

$969

WILLACY COUNTY

$701

WILLIAMSON COUNTY

$643

WILSON COUNTY

$941

WISE COUNTY

$1,540

WOOD COUNTY

$899

YOAKUM COUNTY

$1,033

YOUNG COUNTY

$1,217

ZAPATA COUNTY

$1,187

ZAVALA COUNTY

$1,396

Companies That Offer Flood Insurance in Texas

Many people buy flood insurance policies from the NFIP, but you can also get them from private insurance companies. They typically have a base policy (similar to NFIP policies) and an excess policy (supplemental coverage for a base policy). Ultimately, private providers are ideal for households that find the NFIP coverage lacking and those that aren’t in an NFIP community.

Private Flood Insurance Providers In Texas And Their Contact Numbers
Company
Contact

Neptune Flood

727-202-4815

Aon Private Flood

888-281-0684

Hiscox - FloodPlus

866-283-7545

FloodSimple Insurance Services

844-803-8788

Chubb

866-324-8222

Zurich Insurance Group

800-382-2150

Berkshire Hathaway

800-673-2465

Private Market Flood

877-356-6348

TypTap

844-289-7968

The NFIP has partner companies in Texas that also provide flood insurance coverage. Check the table below for the complete list of NFIP-participating insurance providers in the state.

NFIP-Participating Flood Insurance Providers in Texas and Their Contact Numbers
Company
Contact

Allied Trust

(844) 200-2842

Allstate Insurance Company

(800) 527-2634

American Nat. Prop. & Casualty

(417) 887-4990

American Strategic Ins. Corp.

(866) 274-8765

Assurant

(800) 423-4403

Bankers Insurance Group, DBA: First Community Insurance Company

(800) 627-0000

Centauri Specialty Ins. Company

(866) 318-4113

Everett Cash Mutual Ins. Co.

(800) 326-4968

Farmers Insurance Group

(866) 865-2965

FedNat Insurance Company

(800) 293-2532

Hartford Fire Insurance Co.

(860) 547-7440

Hartford Underwriters Ins. Co.

(800) 296-7542

Homesite Insurance Company

(800) 466-3748

Liberty Mutual Fire Insurance Company

(800) 283-6033

National General Insurance Co

(800) 462-2123

NFIP Direct Servicing Agent

(800) 638-6620

NGM Insurance Company

(603) 352-4000

Occidental Fire & Casualty

(800) 780-8423

Pacific Specialty Insurance Company

(800)-303-5000

Philadelphia Indemnity Ins. Co

(877) 672-7945 ext. 8295

Privilege Underwriters

(888) 813-7873

QBE Insurance Corporation

(877) 372-3996

SafePoint Insurance Company

(877) 858-7445

United Property & Cas. Ins. Co

(727) 895-7737

Universal North America Insurance Company

(866) 458-4262

USAA General Indemnity Company

(210) 531-USAA (8722)

Westfield Insurance Company

(800) 243-0210

Wright National Flood Ins. Co.

(866) 373-5663

How to Purchase Flood Insurance and Its Coverage Requirements

Purchasing flood insurance is usually easy since there are no special requirements. Call the NFIP hotline at 877-336-2627 or reach out to your home insurance agent.

MoneyGeek recommends getting your flood insurance policy as soon as possible. The NFIP has a 30-day waiting period for its policies to take effect, whereas most private insurance companies in Texas have at least a 10-day waiting period. Call your provider to confirm.

What Does Flood Insurance Cover in Texas?

Just an inch of flood water can cost nearly $25,000 in damages to a home. Flood insurance can help cover the cost of repairing or replacing your home structure and belongings.

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MONEYGEEK EXPERT TIP

It’s crucial to note that when it comes to flood insurance, “flood” refers to a natural weather event, not flooding caused by unnatural water damage like a broken pipe.

Flood insurance coverage is limited to personal items and buildings. It doesn’t cover damages to swimming pools, decks, patios, landscaping, cash, paperwork or basement items. Similarly, vehicle flooding coverage is not included in a flood insurance policy.

Flood Insurance Building Coverage

In flood insurance, building coverage pays for repairing and replacing your home structure. With an NFIP policy, you can usually purchase up to $250,000 worth of building coverage.

Some of the things that flood insurance can cover are:

  • Foundation walls
  • Electrical systems
  • Plumbing systems
  • Furnaces, central heating and air conditioning
  • Built-in appliances
  • Permanent carpets
  • Built-in furniture

Flood Insurance Contents Coverage

Another type of flood insurance coverage is contents coverage, which pays for repairing or replacing your personal belongings. The contents coverage limit for an NFIP policy is usually $100,000.

The following list contains some of the personal items commonly covered by flood insurance:

  • Clothing
  • Furniture
  • Electronic equipment
  • Washers and dryers
  • Artwork

Factors That Affect Flood Insurance Costs in Texas

Until recently, flood insurance costs were determined based on your home’s location on a flood map. FEMA’s website has an online tool that shows a state’s flood risk and potential flood-related costs.

Out of the Texas counties for which MoneyGeek has cost data, Dallam County has had the fewest flooding events (eleven) since 1996, whereas Bexar County has the most flooding events (215). The average cost of a flood insurance policy in Dallam County is $949 per year. Bexar County is $781 per year.

Risk Rating 2.0

In October 2021, FEMA implemented its Risk Rating 2.0 system, which bases rates on individual property risks. Unlike the previous method — which focused on flood zone proximity — Risk Rating 2.0 incorporates variables like your home’s elevation, physical structure and rebuilding costs.

This new pricing methodology promises fairer and more accurate premiums for flood insurance. However, your location will still heavily impact the final rate you’ll get. The list below further explains some factors that influence the cost of your Texas flood insurance today.

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    Flood Risk

    Texas has numerous flood-prone areas, which can significantly impact your premium. Because Risk Rating 2.0 determines flood risk individually, you and your neighbor may have different flood risks.

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    Coverage Type

    In general, purchasing more coverage raises your premium. The type of coverage you get can also influence your rates. Coverage options may vary depending on your state and county.

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    Deductible

    Having a higher deductible can lower your monthly premium. Deductibles typically range from $1,000 to $10,000. Keep in mind that choosing a higher deductible will require you to pay more out-of-pocket when filing a claim.

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    Age of Structure

    Flood insurance providers also consider the age of your home when determining rates. Expect a higher premium if your home is relatively old.

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    Structure Design

    In addition to age, your home’s design and construction materials are also taken into account when calculating rates.

Do You Need Flood Insurance in Texas?

If you live in a high-risk flood zone, government-backed mortgages and lenders will require you to purchase flood insurance. However, every property is vulnerable to flooding. We encourage those living in low- or moderate-risk flood zones to consider a policy for additional protection.

Homeowners and renters insurance don’t usually cover flood damage. You’ll need to purchase a separate policy from the NFIP or a private insurer. It’s worth noting that flood insurance providers will pay claims without an official disaster declaration and offer more compensation than federal assistance. By comparison, federal disaster grants are capped at $5,000 per household.

Flood insurance coverage can offer you peace of mind, knowing that your most important and expensive asset is financially protected in the event of flooding.

Frequently Asked Questions About Texas Flood Insurance

MoneyGeek answered some frequently asked questions below to help you learn more about flood insurance in Texas.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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