How Much Does Flood Insurance Cost in Texas

Texas has a wide variety of scenery, from flat prairies to beautiful shorelines. The state is vulnerable to natural disasters like flooding because of its diverse landscape. Many homeowners have learned how catastrophic flood damage can affect one’s bank account. That’s why it’s important to get flood insurance Texas coverage. This blog delves into factors behind costly Texas flood insurance and offers tips for locals to secure their homes.


Understanding Flood Insurance

In the event of flooding, homeowners, renters, and business owners can be financially protected by purchasing flood insurance. In most cases, a conventional homeowner’s insurance policy does not cover flood damage. In the 1960s, the National Flood Insurance Program (NFIP) was established to address this need by providing flood insurance to municipalities that enact and severely enforce floodplain management legislation.

Factors Influencing the Cost

The cost of flood insurance in Texas, like in other states, can vary substantially depending on various criteria, including:


Property location can significantly affect insurance costs. Properties in high-risk flood zones (Special Flood Hazard Areas) typically have higher rates due to the higher likelihood of flooding. Properties near water, such as the coast or a river, and low-lying locations are frequently seen to be in a higher danger category.

Flood Zone

FEMA designates flood-prone areas. A, AE, VE, etc., are all zones with varying degrees of danger. Insurance premiums are often proportional to the level of risk involved.


Your property’s elevation of base flood levels is a significant factor to consider. Higher-elevation homes will likely have cheaper insurance rates.

Building’s Characteristics

The sort of structure you wish to ensure is also relevant. Your premium may change depending on the building’s age, construction materials, and number of stories.

Coverage Amount

Your premium will vary based on the level of protection you select. The NFIP provides coverage limits for the building itself, as well as the goods inside. The rate will rise if you choose more extensive coverage.


Flood insurance, like other types of insurance, has deductibles. Insurance premiums can be reduced by raising the deductible, but the policyholder will be responsible for a more significant portion of claim costs.

Year of Construction

Insurers may be more willing to offer discounts for newer structures due to improved safety standards and more stringent building requirements.

Average Cost in Texas

In Texas, the average annual premium for flood insurance was $634. This is an average, though, and the factors outlined above will significantly impact your actual premium. Properties in low- to moderate-risk flood zones may have more inexpensive premiums than those in high-risk areas.


Although the price of flood insurance in Texas can vary widely based on criteria including location, flood zone, and building characteristics, its protection is well worth the expense. You should do your homework, shop around for insurance rates, and talk to experts before committing to a policy that covers flood damage.

If you need assistance, look no further than Pelican Insurance Agency. Our professionals are here to help you every step of the way and provide unique solutions to your situation and budget. You can protect your family and possessions from nature’s wrath by staying informed and taking preventative measures.