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What is the average cost of flood insurance for my home in Texas?
How much will a flood policy in Texas cost me? My partner and I just moved here and we are thinking about making an offer on a home. I know it is a flood zone and I would like to know how much insurance to budget for.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Since your new home is in a flood zone, you will likely be required to purchase a flood policy. The average cost of flood insurance in Texas costs around $620.
$620 is the average of flood insurance for Texas in general, however people in low-risk areas (called Non-Special Flood Hazard Area, or NSFA) will pay less. Folks who live in high-risk areas (called Special Flood Hazard Area, or SFHA) will have a much higher rate.
The only way to know exactly how much it will cost you is by getting a quote for your potential home with Fema. You can get a quote by going online at FloodSmart.gov/flood-insurance-provider or call them at 877-336-2627
Having to pay for a flood policy on top of a mortgage and a homeowner’s policy can feel like a lot. But, hopefully, you can take some comfort in knowing that states that require flood insurance like Texas, Florida, and Louisana, usually pay less than other states that don’t need it, like Connecticut and Vermont.
This is because insurance is a shared risk pool; the more people that contribute, the less everyone has to pay. For example, the average cost of flood insurance in Vermont is over $1,500 for an area that probably won’t flood.
Check with your
homeowner’s insurance
company about adding flood insurance. They can help guide you through the flood policy process and let you know what your standard homeowner’s policy will and will not cover in the event of a flood.If you are looking for a new home or auto policy, give
Jerry
a try! Jerry is an insurance comparison app that shops for low prices with over 50 different auto and home insurance companies for free. You will get quotes in seconds, and once you buy a policy, the paperwork is emailed to you right away.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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