Protect Your Home and Business from Flood Damage
Texas is no stranger to unpredictable weather, and flooding can happen when you least expect it. Standard homeowners and business insurance policies do not cover flood damage, making it essential to have a dedicated flood insurance policy. Galloway Insurance provides customized flood insurance coverage to help protect your property from costly flood-related damages.
Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don’t rely on the federal government to assist you in the event of a massive flood situation.
Your standard Texas flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.
We have multiple options for your flood insurance in Texas:
- Building Property Coverage – Protects the structure of your home or business, including the foundation, electrical and plumbing systems, and major appliances.
- Personal Property Coverage – Covers your belongings, including furniture, clothing, and electronics, in case of flood damage.
- Structural Repairs – Pays for necessary repairs to walls, flooring, and built-in fixtures.
- Replacement Cost Coverage – Ensures that damaged items are replaced based on their actual value.
Flood coverage Insurance in Texas
Building coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets. You will also want to consider coverage for your personal property as well, such as furniture and clothing.
Why Choose Galloway Insurance for Flood Insurance?
- Local Expertise – We understand the unique flood risks of Marble Falls, Burnet, and Horseshoe Bay.
- National Flood Insurance Program (NFIP) Access – We help homeowners and businesses obtain NFIP-backed flood insurance policies.
- Private Flood Insurance Options – If NFIP coverage isn’t enough, we offer additional private flood insurance for extended protection.
- Experienced Agents – Our team helps you navigate policy details and find the best flood coverage for your needs.
Policies have different options so contact one of our staff for any questions you may have about your Texas flood insurance policy.
- Burnet: 512-756-2988
- Marble Falls: 830-693-0808
- Horseshoe Bay: 830-598-5636
Frequently Asked Questions (FAQs)
Is flood insurance required in Texas?
Flood insurance is not required by Texas state law, but mortgage lenders may require it for properties in high-risk flood zones.
What is covered under a flood insurance policy?
Flood insurance covers damage caused by rising water and storm surges, including structural damage, electrical and plumbing systems, appliances, and personal belongings.
Does homeowners insurance cover flood damage?
No, standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy for protection.
How much does flood insurance cost in Texas?
Flood insurance rates vary based on property location, flood risk level, and coverage amount. Policies backed by the National Flood Insurance Program (NFIP) have set rates, while private flood insurance may offer flexible pricing.
What is the waiting period for flood insurance coverage?
Most NFIP policies have a 30-day waiting period, meaning coverage does not start immediately. Private flood insurance policies may offer shorter waiting periods.
Can I buy flood insurance if I’m not in a high-risk zone?
Yes! Flooding can happen anywhere. More than 25% of flood insurance claims come from low-to-moderate risk areas, making it a smart investment even if you’re outside a designated flood zone.
How do I file a flood insurance claim?
If your property is affected by a flood, contact Galloway Insurance immediately. You can also visit our Payments & Claims page for direct links to carrier claims portals.