Even if you don’t live in a flood zone, you could experience heavy flooding at any time. According to the Texas Department of Insurance, homeowners living in a 100-year flood zone have a 1% chance of experiencing flood damage every year. Heavy rains, snowmelts, and flash floods are unpredictable, but you can safeguard your Houston, TX, property and give your family peace of mind with one phone call to Modern Risk Management.

Why You Need Flood Insurance Now

A 1% chance of losing your home is statistically significant. Floods can happen anywhere, any time, even if you live in a 500-year flood zone. Hurricane Harvey devastated areas outside traditional flood zones. Additionally, one in four claims filed annually come from areas outside frequently flooded areas.

Don’t wait for water damage to compromise the structural integrity of your home. Mold can quickly spread, destroying your personal belongings and compromising your drinking water. You may need to relocate while the waters recede and your insurance company assesses the damage. To make sure you’re covered for these and other flood-related expenses, speak to your agent to review your coverage options.

Where You Can Obtain Flood Insurance

Texas residents can purchase flood insurance from the National Flood Insurance Program or a private insurer. To find the most cost-effective solution that meets your needs, partner with a reputable agent you trust. A good flood policy provides ample coverage for your furniture and personal belongings, helping you maintain peace of mind when the weather becomes unpredictable. 

Are you shopping around for an insurance agent to guide your home insurance choices? The team at Modern Risk Management comprises knowledgeable professionals familiar with the risks that Houston, TX, residents face regarding flooding. Contact us to review or expand your current coverage.