Here’s the 411 on Texas Flood Insurance from the folks who know flood insurance best – the Flood Nerds

Better Flood Insurance is the best shopper for you.

I’m Robert Murphy, the Head Flood Nerd at Better Flood. We Flood Nerds love to shop for flood insurance and save people money. If you’re tired of rising premiums or just need cheap flood insurance fast, let the Flood Nerds find you the best coverage and price.

Texas Homeowner’s Insurance Doesn’t Cover Flooding

A typical Texas homeowner’s policy is written through Farmers, State Farm, Allstate, or GEICO. These policies protect your home from things like fires, tornados, and theft. But they don’t cover the damage from flooding. 

Call your homeowner’s agent and ask them to add a flood endorsement to your policy and listen to them laugh. But it’s not funny.

To get flood coverage you must purchase a separate flood insurance policy. And unfortunately, those Farmer’s, State Farm, and a bunch of other insurance agents will just stick you in the National Flood Insurance Program (NFIP). It’s the easiest thing for them and the most expensive thing for you.

Flood Nerds are Texas Flood Insurance Experts. We know the Texas private flood insurance market like the back of our hand and we will always find you the best coverage and rate. 

GETTING A QUOTE FOR TEXAS FLOOD INSURANCE IS FREE

Get a Free Quote for Texas Flood Insurance from a Flood Nerd

Do You Really Need Texas Flood Insurance?

If flood insurance is so necessary in Texas shouldn’t homeowner’s policies provide it? 

No Way!

The NFIP had a stranglehold on the flood insurance market for years. Too many people think if they aren’t in a high risk flood zone they don’t need coverage. And they find out they’re wrong the hard way.


“Through the ages, I’ll remember – blue eyes crying in the rain”

Willie Nelson, 1975

No wonder Old Willie was crying. When the rain comes down and down, the water washes everything away. And when it rains in Texas, it pours.

Even Texas low risk areas are still at risk. That’s because 20% of all flooding events in the US every year happen in those “low risk” areas. 

Did you think about buying flood insurance when you bought your house but said “If the lender doesn’t require it I must not need it”. The real estate agent may have even told you it wasn’t necessary. 

Ever see a big storm coming and think about flooding? When the storm’s on the way, it’s too late to buy insurance. Maybe this last flood didn’t affect you. But what about the next flood or the one after that?

In Texas, a “low risk” area isn’t a “no risk” area.  

The government has been collecting flood data for the last 50 years. This data shows that recent major storms cause flooding in low-risk areas. And 90% of people who had flood water in their homes after these flooding storms didn’t have flood insurance. 

Don’t buy the lie that low risk equals no risk.  Buy flood insurance!

Cover My Ass-ets with Flood Insurance Now

What Happens If it Floods and You Don’t Have Insurance?

If your home is damaged by rising water and you don’t have flood insurance you are responsible for paying to repair the damage. 

Flooding is one of the most expensive causes of damage to repair. It can cost $40,000 to $90,000 and that’s not even considering the damage to the contents of your home. 

Right now you are saying “Yeah, but if you are such a Flood Nerd you know the government will step in and help”.

Ha!  

Government assistance after a flood is another lie. It’s a whopper too.


“The nine most terrifying words in the English language are:
I’m from the Government, and I’m here to help.

Ronald Regan, former California Governor and President of the US

In order for you to get that government “assistance” all these pieces must fall into place:

√  The Texas Governor must request a federal declaration of disaster.
√  The President must declare the area a disaster area to make federal assistance available.
√  You must apply for that assistance.
√  If you get it, the assistance will be in the form of a loan you MUST pay back. 
√  That glorious assistance will be about $5,000.


Exactly

You get a loan of about $5,000 to cover that average of $40,000 to $90,000 in damage. 

Now you know why so many properties are abandoned or foreclosed after a flood damage. In Houston, foreclosure starts after the floods from Hurricane Harvey spiked 76%.

Flooding is the number one natural disaster in Texas ~ If you don’t have flood insurance you face financial ruin.

Federal assistance may help some, but it is better to have flood insurance rather than to rely on the government.

Don’t gamble away your financial future. Get a free quote for flood insurance now.

Flood Maps in Texas

Many of the flood maps for Texas are over 40 years old. If the area has been developed since the flood map was created it is no longer accurate. Development covers  dirt with concrete and asphalt and the ground just can’t absorb water the way it did before. And when it rains, that water must go somewhere. Bad maps don’t reflect the actual risk of flooding. 

This leaves property owners under or uninsured.

Texas Flood Maps
Texas flood Maps

And Texas has many bad maps. In Harris County, 134,000 homes flooded during Harvey. Three quarters of those homes were in low to moderate risk zones. 80% of the people in the low risk zones didn’t have flood insurance.

In 2002, from June 29 to July 7 over 35 inches of rain fell in the Hill Country and over South Central Texas. The Guadalupe River flowed over the spillway at Canyon Lake for the first time ever. 

12 lives lost, 48,000 homes flooded, $1 billion in damage. All this just a few years after the 1998 flood that was considered a 500 year flood.

It can rain anywhere in Texas.

No matter what the map says, it’s better to have coverage and not need it than to not have coverage and wish you did. 

Shop for My Texas Flood Insurance Today

Flood Insurance Options in Texas

Most homeowners, real estate agents, and lenders don’t realize you have many options when it comes to Texas flood insurance. But the Flood Nerds know all about getting cheap flood insurance in Texas. We know more than 5 Ways to Save on Flood Insurance.  There are basically two markets for flood insurance in Texas. 

NFIP

The National Flood Insurance Program is run by the Federal Emergency Management Administration and they are the government option for flood insurance. They’ve basically had a 50-year monopoly on the market and the premiums reflect their dominance.  

The NFIP uses resellers. These companies like State Farm, Nationwide, and Progressive (just a few examples) sell you a policy under their company name, but really it’s an NFIP policy with their insurance company’s logo on it. If you have flood insurance through one of the big national insurance companies, you have a government policy in disguise. That’s NOT the way to save money on flood insurance in Texas. Wonder if your flood insurance is through a reseller? Check out this list of companies that resell the NFIP policy

Private flood insurance market

Texas is big enough to handle a robust private flood insurance market.  You can even tap into the Lloyds of London flood insurance syndicate for Texas flood insurance.  Often you can get great rates with Lloyds because they spread the risk all over the world. The risk of the entire planet flooding at once is very small. We Flood Nerds joke “God said he wouldn’t flood the world again and Lloyds of London takes him at his word”. Now you know what makes a Flood Nerd laugh.

But getting the right Texas flood insurance is no laughing matter. There’s so many options and it’s easy to confuse the private flood insurance market with those NFIP re-sellers. That’s why you need to let a Flood Nerd shop for your cheapest flood insurance in Texas. 

We shop all the options for your property in your region of Texas and ensure you get the best premium. We’ll even check out the NFIP to make sure that all the bases are covered.

Get a Flood Nerd to Quote Texas Flood Insurance

The Cost of Flood Insurance in Texas

Texas has everything from mountains to hills to coastal plains. One major factor in the cost of flood insurance for Texas is the property location and the company you choose to write the coverage. Premiums for homes in low-to-moderate risk are lower and premiums in high risk areas are higher. 

Flood Zone X  – Texas Low to Moderate Risk Zone

Lenders don’t require flood insurance in this zone. But remember, floods like those in Houston happen in low risk zones, and the map may be old.

For properties in the X Flood Zone we usually suggest the government Preferred Risk Policy (PRP). The government subsidizes a portion of the premium and limits the coverage, so this keeps the rates low. 

The average cost for PRP flood insurance in Texas with the maximum set limits in low risk flood zone areas is $634 per year

Flood Zone AE in Texas

A higher risk flood zone is Flood Zone AE. If your property is in Zone AE, your lender will require you to have flood insurance. 

The cost of flood insurance in Texas in flood zone AE really depends on factors that are unique to the structure. 

Flood Nerds Save Money for Austin TEXAS

As an example, let’s look at a house built on a slab on grade foundation in Austin. The Base Flood Elevation (BFE) is 576 and the home was built in 1974. The sample policy is for flood coverage at the NFIP maximum of $250,000 for the building only. It doesn’t include contents and the deductible is our recommended amount of $5,000. 

While the example house is in Austin, the premiums will be the same as in Dallas, El Paso, Houston, Ft. Worth, Brownsville, and most other Texas cities and counties in AE flood zones. 

The NFIP option in Texas Flood Zone AE is $2,172.00

This would be the price if the property had a previous flood loss and either doesn’t have an Elevation Certificate or the Elevation Certificate shows the lowest floor is 4 feet under the BFE. This policy lets you use 10% of your coverage to cover other structures on your property

Now, let’s look at the Texas private flood insurance market and compare the options. The coverage and deductible are exactly the same.  

The Texas Lloyds of London policy would be $688.00

This option is great but they won’t cover a property with a prior flood loss. But they will cover more than the NFIP and about $2,000 for loss of use. $2,000 for other structures doesn’t increase this coverage. They don’t require an Elevation Certificate.

Texas private flood insurance (Not Lloyds) is $1,932.30  

This option will take properties with one prior flood loss if it was more than 5 years ago and the claim was under $100,000.  They will write practically all risks, and you don’t need an elevation certificate.

Quote My Texas Flood Insurance & Save Me Money

Replacement Cost Value Coverage

Standard flood insurance provides coverage for a set amount. But with flood insurance from the private marketplace, you can insure for the actual cost to replace the home. These policies must be written for the actual replacement cost. The $250,000 example we are using is probably a little low for replacement cost, but to keep comparison the same we’ll stick with that amount. 

So for $250,000 replacement cost value building coverage, 20% contents coverage, 10% other structures, and 10% loss of use with a $5,000 deductible the annual premium for RCV coverage is $1,475.00. That’s more insurance for a lower price than the NFIP!

I’m Confused! Get me a Flood Nerd Now For Best Rates and Coverage for Zone AE

Flood Zone V and VE in Texas

NFIP insurance for homes in the V and VE flood zones of Texas is crazy expensive. Once I saw a premium of $30,000 a year for a single home family. This is ridiculous!!

To save you money, the Flood Nerds shop flood insurance for your V or VE flood zone  properties on the private flood market underwritten by Lloyds of London. 

We see savings in the thousands with this approach AND we have been able to double and triple coverage for properties on the Texad Gulfcoast. 

The problem with the NFIP approach is they take a one-size-fits-all approach to coverage. The results are premiums far too high for waterfront houses. 

Many coastal Texas homes are custom built. The NFIP doesn’t take this into consideration but Lloyds of London other private flood insurers do. They offer variable coverage options as well as significant savings. 

For example, a home on the Bolivar peninsula, in a VE flood zone map needs $250,000 of coverage, with no contents coverage and a $5,000 deductible. 

The NFIP annual cost for flood insurance in aTexas VE flood zone is $12,278.00. 

Ouch!

The same coverage for the same property on the private market is under $2,500.  

Save Me Money On Flood Insurance for My Coastal Texas Home

Average Flood Insurance Costs in Texas by Area

How much does flood insurance cost in Texas? If you look at the number of NFIP policies and the combined premium you can see people pay way too much in Texas for flood insurance.

Texas has 784,865  NFIP policies in force at a total cost of $435,171,125

That’s an average of $581.00 

Aransas County has 3,086 flood NFIP policies with $1,560,060 written premium. That makes the county average premium around $506. The private market is probably a better solution. Click here to have us shop and save you money.

Aransas Pass and Fulton has a combined total of 1147 policies with a total premium amount of $603,457. The average policy rate is $526.   

Houston leads the state in flood policies with 150,213. The total premium is $87,140,405. The average in your area is $580. You need flood insurance in Houston and if you are paying more, get a free quote from a Flood Nerd.

Port Aransas has 5,084 policies with a total written premium of $3,758,878.  The average for this area is $739.

Rockport has a written premium of $1,606,256 for a total of 2,894 policies.  The average premium for Rockport is $555.

Sealy and Austin combine for 509 policies. The combined policy premiums are $301,194 with an average of $592. Paying more? Get a free quote.

Bandera County has 386 policies for a total of $273,500. The average policy premium is $708.

Bastrop County totals 608 policies. The total premium written is $442,420 and the average is $728.

Bee County and Beeville combine for a total premium of  $211,247 for 283 policies.  Your average is $747.

Bell County, Harker Heights, and Killeen have a $539,511 written premium.  The average for this area is $686 for 787 policies.

Salado, Temple, and Alamo Heights have 592 policies. The total written premium is $428,772.  The average premium for this area is $723.

Bexar County has 1455 policies with a $695,116 written premium.  The average policy runs $478.

San Antonio has 5,380 policies!  The total NFIP premium in San Antonio is $3,674,811.  The average policy cost here is $683 for government flood insurance.

Alvin pays the government an average policy cost of $650. There are 2,274 policies that cost  $1,478,886.

Angleton and the Village of Bailey’s Prairie have 1,689 policies! The average policy costs $692. The total written premium is $800,248!

Brazoria County has a total of 18,646 policies written for the enormous amount of $10,535,906!  The average policy cost in your area is $565.

Towns in that area like Brazoria, Brookside Village, Freeport, and Village of Jones Creek have a combined total of 1,614 policies.  The total premium is $1,116,760.  The average policy costs $692.

Looking at Clute and Danbury, the policy premiums combine for $357,885. A total of 808 NFIP policies are issued in your area. That averages $443 per policy.

Lake Jackson has an average policy cost of $397. The total policy cost here is $1,439,394 for 3,622 policies!

Manvel has 1,248 policies with total premiums of $651,535.  The average policy runs $522.

In Pearland there are 8,326 policies. These policies total $3,996,654. The average policy in Pearland costs $480.

The total premium written in Richwood and Surfside Beach is $2,304,003. The typical NFIP policy here is an expensive $2028. These two cities have 1,136 policies.

Sweeny and West Columbia have 571 policies. These policies total $281,056, and the average NFIP premium for this area is $492.

Brazos, Bryan, and College Station have 1,582 policies. The typical rate for these Texas cities is $553. The total premium price here is $874,553.

Falfurrias, Brown County, and Brownwood’s policy total price tag comes in at $466,951.  The average is a little higher here at $935.  And there are only 499 policies in effect here!

Burnet, Granite Shoals, Horseshoe Bay, and Marble Falls, Texas, have a total premium price tag of $989,663.  There are 1,234 policies with an average of $796.

In Caldwell and San Marcos there are 950 policies for a total cost of $582,944.  Your average policy rate is $613.

Written premiums in Calhoun total $1,424,252.  The average policy fee is $790.  The amount of policies in Calhoun total 1,803.

Port Lavaca and Sea Drift have 689 policies totaling $430,234.  The typical rate here is $624.

2,835 NFIP policies are in effect in Brownsville.  This totals up to $1,613,108 with the average rate coming in at $569.

The premiums written in Cameron equal $1,697,451. Your policy count is higher here at 3,275!  The average policy fees in Cameron are $518. Do you have NFIP coverage?

In Harlingen the average premium is $469.  There are 2,019 NFIP policies written that total up to $947,796.

La Feria and Laguna Vista have 968 policies.  These policies total up to $343,046 in premiums.  The average policy cost here is $354!

1,239 policies are in effect in Palm Valley, Port Isabel, and San Benito.  The average price for these policies is $588.  The total premium written is $728,489.

Hello South Padre Island!  You have a ton of policies – 8,178!  Your average policy rate is $443 through the NFIP!  The total price of the policies in your area is $3,622,415. Need more than $250,000 in coverage? The Flood Nerds can help.

Anahuac and Beach City have 510 policies.  The totals of the premiums here are $217,095, and the average government flood policy is $425.

Chambers pays a typical policy rate of $490.  Premiums here total at $1,435,733 with 2,932 policies in effect.

In Mont Belvieu premiums total only $234,700.  The average here is $430.  There are 546 policies in effect.

Allen and Collin pay an average NFIP rate of $448.  There are 474 policies that total $212,427.

Hello Dallas!  How ‘bout them Cowboys?  You have a total of  4,955 NFIP policies.  The typical rate is $663 with $3,286,025 in written premiums.

Let’s not forget about Frisco, Garland, and McKinney!  Frisco is the home of the Cowboys training center!  The total NFIP policies in these cities is 1,230!  The total premiums come in at $844,651, and the average policy rates at $687.

Plano and Richardson combine for 1,075 policies. The average rate is $499.  The total premiums cost $536,155.

1,109 policies are in effect in Comal.  The average cost in this area is $532.  The premiums total $590,375.

New Braunfels has an average rate of $628 per policy.  The premiums written total $1,095,282 for 1,743 policies.

Combine the area of Desoto, Duncanville, and Farmers Branch and you’ll find 657 policies in effect. The total premium is $714,973 and the average rate is pretty high at $1088.

Grapevine and Grand Prairie have a total of 528 policies.  These total $323,561 and the average policy cost is $613.

The following cities are included in the next analysis:  Irving, Lewisville, Mesquite, and Denton.  These cities have 2,000 NFIP policies in effect.  The average rate here is $811.  The total amount of written premium comes in at $1,622,667.

Fort Worth your Water Gardens and Stockyard are sites to behold. The average policy cost is pretty stunning too at $883. There are 2,490 total policies that cost $2,199,603.

Premiums for Ector and Odessa total $1,282,655 for 959 policies.  The average rate in this area is higher than other cities at $1,338.

El Paso flood policies average $767.  There are 3,876 policies in El Paso that total $2,972,990.

627 policies are written in Ellis, Mansfield, and Waxahachie.  These premiums add up to $364,370 and the average is $581.

In Big Oaks 757 NFIP policies are in effect. The Big Oaks average policy rate is $353.  The premiums total at $267,459.

The total premiums written in First Colony are $525,438 for 1,427 policies. That makes the average rate in First Colony $368.

Fort Bend County has 37,225 active policies with $14,876,334 in written premiums.  The average rate for a flood policy in Fort Bend County is $400.

The average Fulshear policy rate is $374. There are 1,201 policies that total $449,788.

4,331 policies are in effect in Missouri City.  These premiums total $1,665,920 with the average policy rate at $385.

Pecan Grove has an average rate of $369.  This includes 1,607 policies with a total premium of $592,334.

When we look at Richmond and Rosenberg they combine for 1,398 NFIP policies in effect.  Their premiums total $668,517 which makes the average $478.

Simonton and Stafford combined have 858 policies with a total premium of $522,740.  The average for your cities is $609.

The average policy cost in Sugar Land is $401.  There are 3,970 policies in effect for a total written premium of $1,595,398.

There are 731 policies in effect in the City of Weston Lakes.  These premiums add up to $302,569.  The average rate for Weston Lakes is $414.

In Clear Lake Shores the NFIP policies total up to $409,538 in premiums.  The average of 547 policies is $749.

In the City of Dickinson there are 2,659 policies for a total of $1,497,885 in premiums.  The average rate for Dickinson flood insurance is $563.

The average policy cost for Friendswood is $412.  There are 8,352 policies with a total premium of $3,439,799.

When looking at Galveston County versus Galveston City, Galveston County has only 9,655 policies in effect with $12,173,203 in premiums for an average policy cost of $1,260. But the  Galveston City average rate is $1558!  The city of Galveston pays $25,100,881 for 16,116 policies in effect.

Not too far away in Hitchcock premiums average $686.  The policy totals in Hitchcock are $627,091 for 914 policies.

Jamaica Beach has a higher average policy rate of $1,454.  This rate is calculated from 939 policies in effect totaling $1,365,774.

Kemah pays an average rate of $851.  The total premium written for your area is $479,805.  This includes 564 policies in effect.

The premium total for La Marque is $934,739 for 1,913 policies. This makes the average rate $489, which is a little lower than other cities in your county.

League City has over 18,403 policies in effect!  Your premiums in League City total up to $7,468,264, which makes the average policy cost $406.

The average policy rate is $400 in Santa Fe!  There are 1,370 policies in effect for a total of $548,129 for NFIP premiums.

Texas City pays an average of $448.  The total premiums are $2,193,520 with 4,899 policies in effect.

Tiki Island has one of the highest average rates in Texas at $3,971 per policy.  The premiums written here total in at $2,148,260 with only 541 policies written.

1,661 policies are written in Guadalupe.  This totals up to $1,869,090 in premiums and averages out to $1,125 per policy.

Hardin has 1,932 policies in effect.  The average policy costs $516 with $996,167 in premiums in effect.

The City of Lumberton has an average policy cost of $469.  There are 937 policies in effect with $439,692 in premiums.

In Baytown there are 4,683 policies with premiums totaling $2,364,402.  The average policy costs $505 in Baytown.

Bellaire pays an average rate of $882. There are 5,101 NFIP policies in Bellaire for a total of $4,500,850 in premiums.

Looking at Bunker Hill Village and Chelford for a total of 900 policies.  The average is $399.  The premiums for these 900 policies totals up to be $359,407.

$489 is the average policy rate for Deer Park.  This includes 4,531 policies in effect with $2,216,937 in premiums.

The average flood insurance rate for El Lago or Galena Park is $572.  They have 1,161 policies for a total of $663,612 in premiums.

Harris County has a lot of policies in effect, second only to Houston with 121,729 policies!  Your premiums total $54,014,554 which makes the average premium $444.

Hello Humble has $604,760 in premiums from 927 policies. The average policy rate for Humble is $652.

Looking at Hunter’s Creek Village and Jacinto City there are $451,927 in premiums written from 1,050 policies. The average is $430 per policy.

Jersey Village has an average policy rate of $858.  This is for 1,382 policies with a total premium of $1,185,750.

$473 is the average rate for Katy.  There are 2,149 policies written in Katy with total premiums of $1,017,481.

4,961 policies are in effect in La Porte.  The premiums total $2,946,020 for an average rate of $594.

Nassau Bay has an average rate of $827.  The premium total is $1,148,385 for 1,389 policies.

Pasadena has10,478 policies and total premiums of $5,015,720. This makes your average $479.

The city of Seabrooke has 3,396 policies in effect.  The average rate is $918 for Seabrooke where they pay $3,117,754 in premiums.

Let’s look at a group of cities – Shoreacres, South Houston, Southside Place, and Spring Valley Village.  The premium total for these cities is $2,121,208 for 2,652 policies.  This makes the average premium $800 for these lovely Texas cities.

Hello Taylor Lake Village!  Glad to see you here!  Your average premium is $554.  The total premium is $604,650 for 1,091 policies.

West Keegans Bayou and Tomball have 905 policies that total $400,417 in premiums.  This makes your average rate $442.

In the city of Webster your average rate calculates out to be $497!  This includes 1,230 policies with $611,482 in premiums.

3,331 policies are in effect in West University Place. These NFIP policies cost $1,625,598 in premiums and average policy rate of $488.

Hello Willow Fork Drainage, Texas!  Your average rate is $370!  In effect are 5,028 policies for a total of $1,861,402 in premiums.

Austin! Weird, wacky and home of the State Capitol.  Your average rate is $647.  The premiums in Austin total up to $4,609,074 for 7,127 policies.

Hays has an average rate of $535.  The premiums in Hays are $555,281.  This includes 1,039 policies.  

$460 is the average policy rate for Edinburg.  There are 1,366 policies with $628,993 in written premiums in Edinburg, Texas.

Hola Hidalgo! Your average flood rate is $441. You have 5,046 NFIP policies with $2,227,469 in premiums.

2,191 policies are in effect in McAllen.  The average rate in McAllen is $465 based on $1,019,537 paid to Washington for premiums.

Mission City pays $466.  There are 1,013 policies that cost $471,905.

Pharr and Weslaco have an average policy rate of $465.  Their premiums combine for $455,111 with 978 policies in effect.

Edna and Jackson combined have $403,938 in premiums for 645 policies.  This makes the average NFIP flood policy cost $626.

$463 is the average rate for Beaumont.  The total in premiums is $4,041,635 with 8,722 policies in effect.

Hello Groves, Texas!  Nice to see you here.  You pay Washington $1,111,648 in premiums for NFIP insurance.  Your average rate is $397 for 2,799 policies!

The average rate is $534 for Jefferson. There are 3,741 total policies in your area that pay $1,996,974 in premiums.

$401 is the average flood rate for Nederland.  The premiums in Nederland are $1,060,856 for 2,647 policies.

Port Arthur pays an average flood rate of $505.  7,504 policies are active in Port Arthur, Texas.  The premiums total up to $3,789,501.

A lower average flood rate is $391 for Port Neches, Texas!  Port Neches has 2,259 policies in effect with $882,162 in premiums.

Abilene pays an average rate of $994. There are 2,468 policies written in Abilene with a total of $2,453,404 in premiums.

In Boerne and Kendall the average rate is $729.  The policy premiums total up to  $409,954 for 562 policies.

The average flood rate in Kingsville and Kleberg is $563.  There are 662 NFIP policies that pay $372,927 in premiums.

$530 is the average flood rate in Liberty, Texas.  Liberty has 1,533 policies in effect with $812,158 in written premiums.

Hello Llano and Sunrise Beach Village, Texas!  Nice to have you here.  Your average flood rate is $984!  That is based on $765,550 in written premiums for 778 policies.

The city of Lubbock pays more than the state average. Residents pay an average flood rate of $1,134.  This rate includes 1,425 policies and $1,616,613 in written premiums.

Bay City, Texas has 1,008 active policies.  The total written premium in Bay City is $620,791.  The average for Bay City is $616.

Moving over to Matagorda, the average rate jumps to $1,390.  This NFIP flood rate includes 2,037 policies in effect and $2,831,526 in premiums.

Midland has an average flood policy rate of $886. The premiums written in Midland total up to $1,018,066 for 1,149 active policies.

Hello Conroe!  There are 1,823 active policies in Conroe. The premiums total $846,046, which makes the average flood rate $464.

Montgomery y’all have a ton of active policies – 25,008 to be exact!  The average rate for Montgomery, Texas is $446, based on total premiums of $11,161,553!

Hello Corpus Christi!  The average flood rate in the Sparkling City by the Sea is $535!  The total cost is $10,460,310 for 19,565 active policies.

$503 is the average flood rate for Nueces County.  There are 5,064 policies in effect in Nueces County.  Written premiums total $2,546,346.

Portland has 1,015 policies and an average NFIP flood rate of $438!  The total premiums in Portland come in at $444,640.

1,994 policies are in effect in Bridge City.  They cost a total of  $1,156,004 making the average rate for Bridge City $580.

Orange County, Texas has 6,749 active policies!  Their premiums add up to $3,398,173 which makes the average policy $504.

Orange City has fewer policies than Orange County. There are 2,379 total active policies.  The premiums come in at $1,590,908 making their average rate $669.

In the city of Vidor the NFIP Flood Insurance rate runs an average of $555.  The premiums written here total up to $645,136 for 1,162 policies.

Arlington true home of the Cowboys and Globe Life Park!  Arlington, Texas has 1,539 active policies that cost a total of  $973,990. The average NFIP policy premium is $633.  

$770 is the average flood rate for Travis.  In Travis, there are 1,951 policies in effect with $1,501,627 in written premiums.

Hello Laredo!  Thanks for visiting our page!  The average flood policy in Laredo, Texas is $1,168.  The premiums written in this area total up to $1,075,936 for 921 policies.

Wharton County has an average premium of $685.  Wharton County has 1,166 active policies which include $798,180 in written premiums!

$808 is the average rate for flood policies in Wichita County and Wichita Falls. There are a total of 968 policies with $781,665 in premiums.

Georgetown has 557 active policies that cost a total of $270,749 for NFIP flood insurance.  This makes the average flood rate $486.

In Williamson the average rate is $591.This includes 1,178 active policies and a premium total of $695,816.

Finally – Consider This About the NFIP!

If you’ve made it to the end of this page you deserve something special. And that’s the inside scoop on the NFIP! 

The NFIP made flood insurance available to more than 20,000 communities in the United States. That’s great. But, Texas has its own private flood insurance market and private markets usually provide better premiums than the government. 

For decades, the NFIP over-charged 50% of its policyholders and under-charged the other 50% all while racking up $42 billion in taxpayer-funded losses. 

Think about that! If you overcharge half and undercharge half no one pays the correct premium. Are you gambling that you are the undercharged half?

About 30% of NFIP claim payments go to the same 3% of insured loss structures year after year. This means that the other 97% of flood-exposed policyholders could have paid less and still netted larger claims payouts if they had been in the private flood insurance. 

It doesn’t make sense to risk losing everything if you don’t have flood insurance. And it doesn’t make sense to overpay for flood insurance.

Break Free of the NFIP - Let a Flood Nerd Shop Texas Flood Insurance