Flood Insurance in
Texas
At TWFG Luarca Insurance, we understand that flood insurance is a crucial yet often overlooked aspect of home and business protection. Serving Texas residents from our offices in Tomball, we are dedicated to helping homeowners and business owners understand the importance of safeguarding their property against flood risks. Floods can strike unexpectedly, and the financial impact can be devastating. Whether you live in a flood-prone area or not, having the right flood insurance coverage is essential to protecting your property.
Why Flood Insurance Matters in Texas
Flooding is one of the most common and costly natural disasters in the United States, and Texas is no exception. The state is particularly vulnerable to flood risks due to its large size, diverse geography, and susceptibility to heavy rains, hurricanes, and tropical storms. In fact, Texas is ranked among the top states for flood damage claims, with millions of dollars in losses each year.
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The average flood claim in the United States is over $50,000, while the cost of flood insurance is significantly lower. The average annual premium for flood insurance in Texas is just around $700–$1,000, depending on the location and coverage options. This stark contrast highlights how valuable flood insurance can be, especially when considering the potential financial devastation caused by flooding. Despite this, many homeowners and business owners mistakenly believe that flood damage is covered under their standard homeowners or commercial property insurance. Unfortunately, this is often not the case. Most standard insurance policies do not cover flood damage, leaving property owners at significant financial risk.
Flood Insurance Options in Texas
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
Flood Insurance in Texas FAQs
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
FEMA Flood Data Tool
Explore Louisiana's flood history using FEMA's Interactive Data Visualization Tool. By hovering over each parish, you can see the frequency of flooding events in your area. This tool allows for a comparison between the federal disaster aid provided by FEMA and the SBA versus the payments made by the National Flood Insurance Program to policyholders. It’s clear that having flood insurance significantly enhances your recovery options.
Additional Coverage Options
Health Insurance
Life Insurance