Why Flood Insurance Matters in Texas

Texas is one of the most flood-prone states in the U.S. — from hurricanes on the Gulf Coast to flash floods inland. Because standard homeowners policies exclude flood damage, many Texans are left vulnerable. Flood insurance provides critical protection for your home, belongings, and financial security. At TX Insurance Finder, we make it simple to explore your options through the National Flood Insurance Program (NFIP) and private carriers.

What Flood Insurance Can Cover

• Building Coverage — Protects your home’s structure, foundation, and systems.
• Contents Coverage — Helps replace personal property like furniture, appliances, and clothing.
• Loss of Use — Covers temporary living expenses if your home is uninhabitable (with some carriers).
• Commercial Flood Insurance — Protects business properties and inventory from water damage.

Coverage limits and eligibility vary between NFIP and private flood insurers. We’ll help you compare both.

Who Should Consider Flood Insurance?

• Homeowners in FEMA-designated flood zones
• Texans living near rivers, lakes, or the Gulf Coast
• Real estate investors with rental properties
• Businesses with physical storefronts, warehouses, or offices

Why Choose TX Insurance Finder?

• Guided Expertise — We’ll help you determine if NFIP or private flood insurance is best for you.
• Access to Multiple Carriers — Compare beyond just the federal program.
• Local Knowledge — Backed by Hi-Lo Insurance’s decades of experience navigating Texas flood risks.