FLOOD INSURANCE

Things to Know About Flood Insurance

Protect Your Home from What You Can’t Predict

Floods are among the most destructive natural disasters — and also some of the most misunderstood when it comes to insurance coverage. Many homeowners assume that their standard policy will protect them, only to discover (too late) that flood damage is not covered by traditional homeowners insurance.

That’s where flood insurance comes in. It’s designed to help pay for repairs to your home and belongings if floodwaters cause damage — whether it’s a few inches in your living room or several feet throughout your property.

At CasaBlanca Insurance, we help Texas homeowners understand the details, requirements, and peace of mind that come with flood coverage — so you’re not left unprotected when the unexpected happens.

Why Flood Insurance Matters

Even a small amount of water can lead to massive damage. Just one inch of floodwater can cause thousands of dollars in repairs — from flooring and drywall replacement to furniture and electrical systems.

Texas, in particular, faces unique risks. From hurricanes along the Gulf Coast to heavy rains and flash floods across inland areas, flooding can strike in neighborhoods that have never flooded before.

That’s why having flood insurance isn’t just for coastal homeowners — it’s a smart move for anyone living in or near a flood-prone zone, or even areas with poor drainage or low elevation.

Who Needs Flood Coverage

You should strongly consider flood insurance if you:

• Live in a high-risk or coastal area, or near a river, creek, or lake

• Have a mortgage in a designated flood zone (most lenders require coverage)

• Want to protect your investment even after your mortgage is paid off

• Have experienced heavy rain, flash flooding, or drainage issues in your area

In some parts of Texas, flood insurance is required by lenders until your home loan is paid in full. But even if it’s not mandatory, coverage is still highly recommended — federal disaster assistance is not guaranteed and often comes only in the form of loans that must be repaid.

How Flood Insurance Works

Flood insurance can be purchased as an add-on to your existing coverage or as a separate policy through private insurers or the National Flood Insurance Program (NFIP).

Here’s how it typically works:

1. You choose the coverage level for your home and personal belongings.

2. Your annual premium is calculated based on your property’s flood risk, elevation, and location.

3. If a flood occurs, you file a claim for the damages.

4. Once approved, your policy helps cover repairs, replacements, and cleanup costs.

Flood insurance generally covers:

• Structural damage to your home (foundation, walls, floors, systems)

• Built-in appliances and fixtures

• Personal belongings like furniture, electronics, and clothing

• Cleanup and debris removal

Some policies can also include replacement cost coverage to help ensure you’re reimbursed for what it actually takes to rebuild — not just the depreciated value.

A Small Investment for Big Protection

Yes, flood insurance is an added expense — but for most Texans, it’s a small price to pay for peace of mind. Even a quick summer storm can turn into a costly disaster.

With the right coverage in place, you won’t have to face those repairs alone. Flood insurance can help you recover faster, protect your financial stability, and get your home — and your life — back to normal.

CasaBlanca Insurance: Helping Texans Weather Any Storm

At CasaBlanca Insurance, we believe in protecting what matters most — your home, your family, and your future. Our agents take the time to explain your flood risk, review your options, and find coverage that fits your location and budget.

Don’t wait until it’s too late to find out what your homeowners insurance doesn’t cover.
💧 Talk with a CasaBlanca Insurance agent today to learn how flood insurance can keep your home safe — rain or shine.