Does Texas Homeowners Insurance Cover Flood? What Houston and Central Texas Need
Most Texas homeowners policies do not cover flood damage. Flood coverage is separate, and most policies have a 30-day waiting period.
Insurance: P&C
Property and casualty: home, auto, flood and wind coverage. Texas articles from the regional hub.
Articles
Hail Damaged Your Texas Roof? What to Do Before You Call a Contractor
After a Texas hailstorm, file with your insurer first, document the damage, and know that waiving a homeowners deductible is illegal under state law.
Can't Find Homeowners Insurance in Texas? How the FAIR Plan Works
If two authorized Texas insurers decline your home, a licensed agent can apply to the Texas FAIR Plan Association. It is a last-resort market with limits.
Coastal Texas Windstorm Insurance: When You Need TWIA
Along the Texas coast, a standard homeowners policy often excludes wind and hail. TWIA is the residual windstorm market after a private denial.
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