Home Insurance in Texas
Flooding can happen far beyond the coast or a designated high-risk flood zone.
Most standard homeowners policies do not cover flood damage, which is why flood insurance is a separate and important conversation for Texas property owners.
Next Move Insurance offers access to both:
NFIP Flood Insurance
and
Private Flood Insurance Options
Do I Need Flood Insurance if I'm Not in a Flood Zone?
Every property has some degree of flood risk.
FEMA reports that nearly one-third of NFIP claims from 2014–2024 came from areas outside current high-risk flood zones.
A lender may not always require flood insurance in a lower-risk area, but that doesn't mean flooding is impossible.
What Is NFIP Flood Insurance?
The National Flood Insurance Program, administered by FEMA, provides flood insurance in participating communities.
For eligible residential homeowners, NFIP currently offers up to $250,000 in building coverage and $100,000 in contents coverage.
Building and contents coverage are separate coverages and generally have separate deductibles.
What About Private Flood Insurance?
Private flood insurance may provide another option depending on the property and insurer.
Because Next Move Insurance has access to NFIP and private flood options, we can help you explore what is available rather than assuming one solution fits every property.
Flood Insurance Can Be Important for:
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Homeowners
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Homebuyers
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Rental property owners
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Coastal properties
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Businesses
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Properties near bayous or waterways
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Homes outside high-risk flood zones
Buying a Home?
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If your lender requires flood insurance, don't wait until closing week to start looking at it.
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Send us your property address and closing date so we can help you begin the process.