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For Houston Homeowners in Flood Zones A & AE

Why Your Houston Flood Insurance Is So Expensive

(And What You Can Actually Do About It)

You're paying hundreds — maybe thousands — every year. And it feels like there's nothing you can do. This guide changes that.

FREE
The Flood Insurance Guru
Why Your Houston
Flood Insurance
Is So High
(And What You Can Actually Do About It)
A Guide for Houston Homeowners
✓ 190+ Houston policies analyzed
✓ Local premium comparisons
✓ 5 ways to lower your rate
 
LEt's be honest

You're Tired of Feeling Like You're Throwing Money Away

The bank requires it, the bill keeps rising, and nobody can explain why you're paying thousands more than the house across the street.

Sound familiar?

  • "I'm paying $3,000 a year and I've never even seen a puddle.
  • "My rate doubled overnight and my agent can't tell me why.
  • "I feel trapped in my home because the flood insurance is so high.
  • "Why is my neighbor's policy $600 while mine is $2,400?

If any of that sounds familiar, you're not alone. I've talked to thousands of Houston homeowners who feel the exact same way.

Here's what I want you to know: it's not your fault that nobody explained this to you. Flood insurance is confusing by design. Your lender just wants their collateral protected. Your insurance agent probably doesn't specialize in flood.

But that ends today. This guide shows you exactly why your premium is what it is — and what you can actually do about it.

 

What's Inside the Guide

Straight answers to the questions you're actually asking

1

Why Your Rate Is So High

The 6 factors that drive your premium — and which ones you can actually control.

2

What Risk Rating 2.0 Changed

Why your rate probably went up in 2021 — and why it might keep going up.

3

NFIP vs. Private Insurance

When private beats NFIP. When NFIP wins. How to know which is right for you.

4

5 Ways to Lower Your Premium

Practical steps you can take — some today — to try to reduce what you're paying.

5

Real Houston Examples

See what actual Houston homeowners are paying — and why the numbers vary so much.

6

What NOT to Do

The expensive mistakes I see Houston homeowners make — and how to avoid them.
Area Zone Situation Premium
Meyerland AE Elevated, Private Market $493/yr
Meyerland AE Slab foundation, NFIP $2,939/yr
The Heights X Modern elevation $706/yr
Clear Lake VE Condo / Private $450/yr

Same flood zone. Same neighborhood. $2,446 difference per year.
That's $24,460 over 10 years. The guide explains why — and what you can do about it.

Who's Behind This

Chris Greene, The Flood Insurance Guru

I've helped over 20,000 homeowners navigate flood insurance — including hundreds in Houston. I've seen the frustration. I've heard the stories. And I've helped people find better options.

This guide is everything I wish someone had explained to you when you first got that flood insurance bill.

📜 Certified Flood Insurance Specialist 🎓 Master's in Emergency Management 📹 5,000+ Educational Videos 🏆 10+ Years Experience
Chris

⚠️ Every Month You Wait Is Money Lost

If you're overpaying by $100/month, that's $1,200 a year. You don't have to wait for your renewal to make a change. Get the guide. See what your options are. Then decide.
Common Questions

FAQs

Is this guide really free?

I'm locked in with NFIP. Can I even switch?

Is private flood insurance legitimate?

Will this guide just try to sell me something?

Stop Overpaying. Start Understanding.

Get the guide. See what's driving your rate. Learn what you can do about it. It takes 10 minutes to read — and could save you thousands.

Welcome, real estate agents