Flood Insurance

Floods can be devastating and harmful to the health and safety of humans and the state of your home. Homeowners can eliminate the aggravation of added financial problems by obtaining appropriate insurance before a natural disaster.

Texas residents are not required to purchase flood insurance, but your lender will usually require it if you reside in a low-lying area. This is particularly true if they are government-backed. Even if your house is paid off, the risks of living in a flood plain are sufficient to warrant a flood insurance policy.

Your ESCO Insurance Services representative can help you assess your level of risk, as these are determined by maps created by FEMA, which are updated every five years. This resource contains information that includes the geology and topography of the area, in addition to the data regarding past flooding.

This helps show the severity and frequency of rising water and gives indications as to patterns of any given region. In addition, the newer FEMA tools will consider global warming, as levels can increase with higher rainfall and more impactful storms. Snow thaws after a significant winter system can also be affected by warmer temperatures, leading to flash flooding and wet weather streams.

Your property may be near a creek or a riverbed, or you may be in the path of culverts, gullies, or ditches that overflow during heavy rains, creating problems. Homeowners insurance does not cover the damage from flooding in any of these circumstances, and you will need a flood insurance policy to protect against these perils.

ESCO Insurance Services Can Help with Flood Insurance

We invite you to contact our office, where we can help you obtain a quote on flood insurance. Don't hesitate to contact us by phone or online to schedule an appointment to discuss your flood insurance needs today.