Texas Flood Insurance: Costs, Coverage & Flood Zone Risks in 2025
Texas leads the U.S. in flood-related property damage. Learn how flood insurance works, how much it costs, and how to find the best coverage for your home.
Do You Need Flood Insurance in Texas?
Texas experiences more flood-related damages than any other state, and standard homeowners insurance does NOT cover flood damage.
✔️ 1 in 4 flood insurance claims come from homes outside high-risk flood zones.
✔️ Most Texas homeowners would have to pay out-of-pocket for flood damage.
✔️ Mortgage lenders require flood insurance in FEMA high-risk flood zones.
What Are the Flood Risks in Texas?
Flooding in Texas happens from hurricanes, tropical storms, river overflows, and flash floods, affecting thousands of properties annually.
High-Risk Flood Areas in Texas (Zones A, AE, V, VE)
✔️ Coastal Flooding: Houston, Galveston, Corpus Christi, South Padre Island
✔️ River Flooding: Austin (Colorado River), San Antonio (San Antonio River), Dallas (Trinity River)
✔️ Flash Flooding: Austin, Dallas, Fort Worth, El Paso
Texas Flood Zones & How They Affect Insurance Costs
Your flood zone determines your insurance rates. Homes in FEMA’s high-risk flood zones (A, AE, V) pay the highest premiums.
✔️ High-Risk Zones (A, AE, V, VE): Mortgage lenders require flood insurance
✔️ Moderate-Risk Zones (B, C, X): Insurance is optional but recommended
✔️ Zone D: Risk undetermined but insurance is still available
How Much Does Flood Insurance Cost in Texas?
Your premium depends on location, flood zone, and whether you choose NFIP or private insurance.
✔️ Average NFIP Flood Insurance Cost in Texas: ~$700/year
✔️ Private Flood Insurance May Offer Lower Rates & Higher Coverage
Find Flood Insurance for Your City in Texas
Flood risks and insurance rates vary widely by city. Select your city below for a tailored guide.
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