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549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

How Do I Know if I need Flood Insurance?

Flood insurance is often overlooked because it’s not covered in your standard homeowner’s policy. However, many people still need flood insurance. At David King Insurance Services LLC in Coppell, TX, we offer many types of insurance, including flood insurance. 

Are You Required to Have Flood Insurance?

Some people are required to have flood insurance. If you live in a high-risk flood zone and have a federally-backed mortgage, you are required to have flood insurance. 

If you’ve received disaster relief for your home or business in the past, you are also required to have flood insurance. 

Lastly, your lender may require you to have a flood policy, even if you don’t live in a high-risk flood area. 

Do I Need Flood Insurance?

If you aren’t required to have flood insurance, you may wonder if you need it. The answer is generally yes. 

Your homeowner’s policy doesn’t cover flooding, and flooding can occur anywhere, even if you don’t live in a flood-prone area. 

Federal relief is typically limited to disaster relief loans and grants which average $5,000 per household. This is not nearly enough to repair or replace your home if it’s seriously damaged by flooding. 

If you are in a high-risk flood zone, your chances of having a flood in a given year is 1%. Over 30 years, which is the average length of a mortgage, is 26%. Medium-risk flood zones have a risk between .1% to 1%. This may seem low, but when you consider your risk over 30 years, it’s still significant. Even areas with the lowest risk can flood. 

Schedule A Consultation Today

If you need flood insurance in Coppell, TX, contact us at David King Insurance Services LLC. Our experienced agents are here to meet all your insurance needs. 

Why Work With Us?

  • Locally owned and operated
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