Save big on flood insurance with our personalized policies!
Flooding is a frequent risk in Texas—make sure your home is fully protected. Richey Insurance can help you find the best coverage at an affordable price.
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We have access to 100+ leading carriers in Texas to find the best insurance for your property.
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Texas faces frequent flooding from hurricanes, tropical storms, and heavy rainfall. Many homeowners assume their standard policy protects against these risks, but flood damage requires a separate policy. Without coverage, repairs can be a financial burden.
Common Flood Risks in Texas:
✅ Coastal flooding from hurricanes
✅ River overflow and flash floods
✅ Heavy rain accumulation
✅ Urban flooding due to poor drainage
Flood policies typically include two main types of protection:
| Coverage Type | What It Covers |
|---|---|
| Building Coverage | Structural damage to walls, foundation, plumbing, electrical systems, HVAC, and built-in appliances. |
| Contents Coverage | Personal belongings, furniture, electronics, clothing, and valuables inside your home. |
Lenders may require building coverage for homes in high-risk flood zones. Even in low-risk areas, a policy can prevent costly out-of-pocket losses.
What’s Not Covered?
Certain water-related damages fall outside of a flood policy’s scope:
One exception—if sewer backup occurs due to heavy rain or flooding, your policy can provide coverage.
We serve all of Texas, with most of our customers coming from Houston, Kingwood, Harris County, Humble, Porter, and Spring.
Yes, renters can purchase flood insurance to protect their belongings. Many assume flood risks only affect homeowners, but one in four flood claims comes from low-risk areas. Standard renters insurance won’t pay for flood damage, so a separate policy is a smart investment.
Lowering costs may require reducing flood risk:
For homes in low-risk areas, coverage is often more affordable than expected.
The amount depends on mortgage requirements and property value. Policies typically cover one of the following:
Lenders may have specific requirements, so it’s best to review options carefully.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
