Flood Insurance in Texas — Coverage for Every Homeowner

Don’t Let Floods Drain Your Savings — Get the Right Protection

Most Texas homeowners don’t realize: standard home insurance doesn’t cover flooding from rising water, flash floods, or heavy rains. Flood insurance is a separate policy that covers the structure and contents of your home, giving you a safety net when weather turns dangerous. Even inland areas like Ballinger and West-Central Texas face real flood risks from overflowing creeks and sudden downpours. Willingham Insurance Agency makes it easy to secure a flood policy, so you’re not left unprotected.

What Does Flood Insurance Cover?

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Building Coverage

Pays for damage to your home’s foundation, walls, floors, electrical, plumbing, HVAC systems, and appliances (up to $250,000 with NFIP policies).

Contents Coverage

Covers your furniture, electronics, clothes, and personal items (up to $100,000 with NFIP).

Flood-Specific Losses

 Only flood insurance covers damage from rising water, storm surge, or heavy rain — not home or renters policies.

Note:

Temporary housing and landscaping aren’t covered by standard NFIP flood insurance.

Floods Can Happen Anywhere in Texas — Not Just in “Flood Zones”

Did you know? Over 20% of flood claims come from properties in low-to-moderate risk zones. Even if your lender doesn’t require flood insurance, a single inch of water can mean thousands in repairs — and it’s never covered by a standard homeowners policy. Local floods have hit communities like San Angelo and Ballinger unexpectedly, proving it pays to be ready.

How to Get a Flood Policy — Fast, Simple, and Affordable

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Most flood insurance is provided through the National Flood Insurance Program (NFIP), but private options exist for broader or higher coverage.

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Policies have a 30-day waiting period before coverage starts — so don’t wait until a storm is coming!

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We help you determine your property’s flood zone, explain your choices, and handle all the paperwork for you.

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Your Flood Insurance Questions, Answered

  • Do I need flood insurance if I’m not in a flood zone?

    Yes — many flood losses happen outside high-risk zones. It’s smart and affordable protection for any homeowner in Texas.

  • Is flood insurance required by lenders in Texas?

    Only if your property is in a designated high-risk flood zone, but anyone can buy coverage — and it’s often a good idea.

  • How much does flood insurance cost?

    Costs depend on your location, property type, and coverage amount. We compare NFIP and private options for the best fit and price.

  • What’s the difference between NFIP and private flood insurance?

    NFIP policies are federally backed with standard limits and coverage; private insurers may offer higher or broader protection. We’ll walk you through both.

  • How does flood insurance work for homeowners?

    It pays to repair or rebuild your home and replace belongings after flood damage — with a typical 30-day waiting period before it starts.

Don’t Wait for the Next Storm — Get Flood Insurance Now

Don’t risk financial disaster from rising water. Willingham Insurance Agency makes flood insurance simple, whether you’re in Ballinger, San Angelo, or anywhere in Texas. Reach out today for a quick quote and clear answers from local experts.