A common misconception that homeowners in San Antonio, TX often have is if their home has flood damage, it will be covered by their homeowner’s insurance. Unfortunately, the truth is damage caused by flood waters is often not covered by your homeowner’s policy. To ensure your home is protected from flood waters, you’ll need to purchase a flood insurance policy.
Do San Antonio Residents Need Flood Insurance?
In Texas, homeowners are not required by law to purchase a flood insurance policy. However, if your property is located inside a high-risk flood zone, it is recommended that you purchase coverage, especially if it is a condition of your mortgage.
Still, even if you don’t have a mortgage, it is a good idea to have a flood insurance policy. While this may not be as necessary for those living in low-risk areas, it is highly recommended for anyone living in moderate to high-risk areas.
Is Flooding Serious in San Antonio, TX?
According to SARA (San Antonio River Authority), San Antonio is one of the most flood-prone and flash-flood-prone regions in the country. It is estimated that around 28,000 residents in Texas live on exposed land that is 4 feet below sea level. Since Texas is prone to heavy rains and flooding, those who live in San Antonio and other high-risk areas are in danger during the storm season.
Contact Ellis Insurance Agency for More Information About Flood Insurance
If you have concerns about flood safety and would like to learn more about flood insurance coverage, get in touch with our team here at Ellis Insurance Agency today. We look forward to providing you with peace of mind by answering any questions you may have.