Texas flood insurance
Texas flood insurance | 1-866-990-7482

Flood Insurance Texas

Does my homeowner’s insurance cover flooding?
Do I need flood insurance in Texas?
What are my flood insurance options in Texas?
TEXAS NFIP flood insurance
Texas private flood insurance market
How much does flood insurance cost in Texas?
How to save money on Flood Insurance in TEXAS
Five things you need to know about flood insurance in
Texas Flood Insurance calculator
Cost of flood insurance in TEXAS? (click on your city to find the average)

YES START SHOPPING MY FLOOD INSURANCE

This blog will answer common questions that we get about flood insurance in Texas, we will also share some statistics and links if you get really into the research for
Texas flood insurance, This is our attempt to pull all the information you could be interested in specifically the cost of TX flood insurance, we will also review the difference in Texas’ NFIP policies and Texas’ Private flood Insurance Market and finish up with Texas’ Lloyd of London Flood Insurance companies. We would like to hear your thoughts so please share, comment, ask questions or if you want us to explore a topic further let us know. To keep it easy we have some quick jumps to sections that you might be interested in. Enjoy. Your flood Nerd. 

Does my Texas homeowner insurance cover flooding?

A typical Texas homeowner’s policy is written through Farmers, State Farm, Allstate, and Progressive, for instance, excludes flooding as something that will be covered under their homeowner’s policy.

In most cases, the only way to get flood coverage is by purchasing a stand-alone flood insurance policy.

However, you should ask your homeowners agent if you can add an endorsement to your homeowner’s policy to cover flooding.

Yet, don’t be too surprised if the answer is NO.

YES START SHOPPING MY FLOOD INSURANCE

Do I need flood insurance in Texas?

It is important to have flood insurance coverage in Texas because our beloved lone star state has seen a fair share of flooding, and there is likely more coming.

We believe that most homeowners think about Flood insurance in Texas at some point, maybe before buying a home, or during the closing process.

However, many of us only think about it when a big storm is looming, or we have heard on the news that there is flooding forecasted or happening currently too close to our home.

If your home or business is in a flood zone, that is considered low flood risk area. Sadly, many homeowners decide to forgo purchasing coverage because they believe they are safe from flooding.

Some real estate agents and some insurance agents may even say you don’t need it.

YES START SHOPPING MY FLOOD INSURANCE

I ask you to consider the facts: 20-percent of all flooding events across our nation come in areas that are considered low risk.

After our last few major storms (Hurricane Harvey), we saw flooding in these low-risk areas.

In 80 percent of these individuals, they had water in their homes or buildings and didn’t have flood insurance coverage.

In Harris County, nearly 135,000 homes were damaged. Three-fourths of these properties were considered low to moderate risk.

We hear often that people believe that the government will help, and this is true.

However, there are a few things that must align for you to get government assistance.

  • 1 – The president of the United States must declare the flooding event a state of emergency. If this doesn’t happen, then there won’t be assistance.

  • 2 – The average amount of assistance that homeowners get after a flood when they do not have flood coverage, is $5,000. The average cost of damage to one’s property after a flood is $38,000+. That $5K you get from the government? It comes in the form of a loan and you will need to pay it back.

YES START SHOPPING MY FLOOD INSURANCE

Are you willing to gamble away your financial future by forgoing flood insurance coverage?

https://www.bloomberg.com/graphics/2017-fema-faulty-flood-maps/
Texas Flood Maps
Texas flood Maps

One more note on these low-risk flood zone maps.

Many of these maps are over 40-years old.

If the area has been developed, then there is likely more concrete, creating a barrier for land that previously, might have absorbed the massive downpour.

Because of all these factors, it is really difficult for property owners to know their true risk of flooding.

FEMA admits that their flood maps only give an idea for part of the risk.

Our recent storms are facts that it can rain anywhere within Texas, and you should consider getting flood coverage, so you are not uninsured when you need it most.

FEMA flood zone maps often take years to go into effect after the terrain was studied, this gives the impression that the area is “more up to date” then it really is.

YES START SHOPPING MY FLOOD INSURANCE

The average cost for Texas flood insurance in these Low-risk areas is $595 per year.

FEMA’s National Flood Insurance Program (NFIP) and all federally backed lenders rely on these Texas flood insurance maps to assess risk, set premiums, and determine who is required to purchase flood insurance.

Bad information about an area’s flood risk can leave property owners under or uninsured.

YES START SHOPPING MY FLOOD INSURANCE

How much is flood insurance in Texas?

Texas NFIP flood insurance.

There are many options available in Texas regarding flood insurance, but they basically fall into
two main categories.

  • 1 – The National Flood Insurance Program (NFIP), also known as FEMA, which is the government option for flood insurance. The NFIP has enjoyed a 50-state monopoly on the flood insurance market.

    2 – Not “private flood insurance” but NFIP Resellers. If you have Nationwide Flood Insurance, State Farm Flood Insurance, Progressive Flood Insurance, or any of the logos below then you are buying the NFIP flood policy that is just being resold through a government program. These companies are private companies but their flood insurance is not. Here is a list of the 70 companies that resell the NFIP policy.

    https://www.fema.gov/wyo_company

    Progressive Flood Insurance

YES START SHOPPING MY FLOOD INSURANCE

Texas private flood insurance market

Llloyds of London Flood Insurance ShopperThere are alternatives to the NFIP or government insurance.

It is called Private flood insurance most notably Lloyds of London Flood insurance, however, there are other options available in Texas.

We shop all the options for your property in your region to ensure you are getting the best premium.

If you are ready to have us do the work for you, please click here.

Our shopping does include the NFIP because sometimes we find that with government subsidies you can get a much better premium.

https://www.betterflood.com/quote/

Lloyds of London Flood Insurance Texas Market

Texas is fortunate to have many Lloyds of London flood insurance options.

Although many Lloyds flood insurance companies will have you assume that there is only one option, nothing could be further from the truth.

Lloyds of London has a rich history and is attributed to have invented the very first modern insurance model.

Unlike most of its competition, Lloyds of London is not really a company but rather a corporate body.

YES START SHOPPING MY FLOOD INSURANCE

This structure works quite well since it has been around for over 330 years.

Lloyds operates under multiple financial backers that all pool their capital to spread the risk.

I have two blog posts that take a deep dive into Lloyds of London and what they mean to Texas’s flood insurance market.

If you are interested, the links are below.

Lloyds of London flood insurance

NFIP vs Private

Lloyds also insures the world for flood insurance, meaning they cover flooding events in India, Australia as well as much of Europe. You see the “game” of insurance is to spread your risk since Lloyds is worldwide.

Lloyds of London Private Market Flood InsruanceMy joke here is that Lloyds is banking on God’s promise that he won’t flood the entire world again, …..so they won’t have to pay out the whole world’s flood claim.

YES START SHOPPING MY FLOOD INSURANCE

How much does flood insurance cost in Texas?

There are many factors that go into getting the cost of flood insurance for Texas.

If your home is in what is considered low-to-moderate risk, you can get a heavily subsidized policy though the government.

$250K (Residental) /$500K (commercial) Building
NFIP Maximum Coverage Limits

Texas flood insurance low-to Moderate Risk rate and cost.

This is Flood Zone X, which is not lender required flood zone.

This is usually identified as an X-flood zone.

Then we would suggest the government Preferred Risk Policy (PRP) which is a subsidized policy and has set flood insurance coverage limits (see the grid below):

Here a link if you want to really dig into this one.

Be ready for an eye chart because every option is public record and should be standardized accost whoever writes these policies.

YES START SHOPPING MY FLOOD INSURANCE

The average cost for flood insurance in Texas with the maximum set limits in these Low-risk flood zone areas is $405 – $700 per year.

FEMA Government Rating sheet
A flood zone and SHFA rate maps
FEMA High-risk Rates

If your property is in higher-risk flood zone, it is usually identified with a Flood Zone AE.

Your lender will require you to have flood insurance.

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

We are going to try to give you an idea for the most common homes we see in Texas with a slab on grade foundation.

We will look at the Texas cost of flood insurance for the NFIP maximum of $250,000 for the (building only) with NO CONTENTS and our recommended deductible of $5,000.

We will be rating this example on the NFIP, as well as on a few of our private flood insurance policies, specifically Lloyds flood insurance options in Texas.

YES START SHOPPING MY FLOOD INSURANCE

Cost of Flood Insurance in TEXAS in high-risk flood zone AE

Our example is in Abilene TX, but the premiums will be the same if in Dallas, El Paso, Austin, Houston, Fort Worth, Irving, Oklahoma City, TX and many other Texas flood zones.

Base Flood elevation Oregon

In our example, the Base Flood Elevation (BFE is 1749) and is a home that is built before 1973 NFIP option in Texas Flood Zone AE.

NFIP – Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible NFIP.

YES START SHOPPING MY FLOOD INSURANCE

Annual premium in High-Risk flood zone is $2,182.00

This option is what we see if the property has had a flood loss before, and either doesn’t have an Elevation Certificate applied or the Elevation certificate showing that the lowest floor is 4 feet under the BFE for the area.

You can use 10% of your coverage to cover other structures on your property.

YES START SHOPPING MY FLOOD INSURANCE

Texas Private flood insurance – Lloyds of London Flood Insurance (option 1)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible Lloyds of London (option 1).

Annual premium in High-Risk flood zone is $985.00

This option is great, and we are very happy when we can get this option. They can be a bit choosey about what risk they will accept and will not take anything that has had a flood loss. They do offer coverage for basements, about $2,000 for loss of use, $2,000 for other structures, but they can’t increase this coverage. They do not require an Elevation Certificate to rate.

YES START SHOPPING MY FLOOD INSURANCE

Texas Private flood insurance – Lloyds of London Flood Insurance (option 2)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible Lloyds of London (option 2).

Annual premium in High-Risk flood zone is $1,370.23

This option is great, and we are very happy when we can get this option for our clients as well. They seem to be writing almost all risks; however, they do not write any property that is in a designated floodway or has the depth of -4 under the BFE.  In our example, with our BFE being 1749, if the lowest floor is 1745, then they will not accept this risk. They will not take anything that has had a flood loss. They do offer limited coverage for basements and do not require an Elevation Certificate to rate, and as a percentage of coverage for loss of use. If you want coverage for other structures, then that will need to be added.

YES START SHOPPING MY FLOOD INSURANCE

Private Flood insurance option (option 3)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible Private flood insurance (option 3) Not Lloyds.

Annual premium in High-Risk flood zone is $1,932.20

This option will take properties that have had one flood loss as long as it has been more than five years, and the payout was under $100,000 on the claim. Their coverage matches the NFIP. They will write practically all risks, don’t need an elevation certificate to rate, and are a bit lower in premium than the NFIP.

YES START SHOPPING MY FLOOD INSURANCE

Private Flood insurance – Lloyds of London (option 4)

This option has to be written on the Replacement Cost Value (RCV) of the building, otherwise, there is a co-insurance penalty that kicks in. So $250,000 might be a bit low in California, but to keep this going, let’s just use that for this option.

Coverage of $250,000 (RCV) building coverage, No Contents and $5,000 deductible.

The annual premium in the High-Risk flood zone is $1,464.75 (great price).

This options rating system is all over the board. Sometimes we get a crazy great price, but other times the premium is way higher than the NFIP will consider taking a property that has had one flood loss before as long as it has been more than ten years and the payout was under $50,000 on the claim. Their preferred coverage is at replacement cost, which is a bit different from some of our other Lloyd’s flood options. We usually reserve this one if the property doesn’t fit into any of our options above. We can adjust coverages to control premiums. As mentioned before, these underwriters’ rates are all over the board. It is worth shopping through to make sure we are getting you the best premium we can. They don’t need an elevation certificate to rate.

Private Flood insurance – Lloyds of London (option 5)

Coverage of $250,000 (RCV) building coverage, No Contents and $5,000 deductible.

YES START SHOPPING MY FLOOD INSURANCE

The annual premium in the High-Risk flood zone is $1,464.75.

This option came out of the company that used to run the NFIP program so the coverage almost exactly matches the NFIP coverage with two differences. They offer living expenses that will cover your cost when you are displaced from your home during repairs (most Lloyds flood policies offer this). They also offer swimming pool cleanout, which is kind of unique so if you have a pool ask for this coverage.

Private Flood insurance – Lloyds of London (option 6)

Coverage of $250,000 (RCV) building coverage. No Contents and $5,000 deductible.

The annual premium in High-Risk flood zone is $1076.00.

This options rating system is also all over the board. Sometimes we get a crazy low price; other times the premium is way higher than the NFIP. They will consider taking a property that has had one flood loss before as long as it has been more than ten years and the payout was under $25,000 on the claim. They have been rumored to give a low price the first year and then non renew the following years or sometimes they jack the price way up so we will watch them. They have a slick system, and their underwriting is managed by a 3rd party, which also seems to be a glitch sometimes.

There are more options coming online every day, and we are working to be looking into every viable option.

YES START SHOPPING MY FLOOD INSURANCE

Currently, Texas has 784,865 NFIP policies in force to date with the total cost of $435,171,125.

That would make the average cost of flood insurance for Texas $581.

Of course, some will pay more, and some will pay less.

Flood insurance Texas

The County of Aransas, TX, had 3,086 flood NFIP Flood policies with $1,560,060 written premium, making Aransas’s average premium around $506. Aransas, the private market could be a better solution for you. Click here to have us shop and save you money.

Aransas Pass City and Fulton, you have a combined total of 1147 policies with the premium amount of $603,457 written. The average policy rate is $526.  If your rate is higher than this, then let us shop your policy to see if we can get you a better price.

The city of Houston, Texas you are leading the state in flood policies with 150,213 and the premium on NFIP’s books is $87,140,405.  The average in your area is $580. If you are paying more than this, it would be a good time to let us Nerds shop your policy.

YES START SHOPPING MY FLOOD INSURANCE

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

The City of Rockport, Texas 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 located in Austin County have 509 policies together.  Their combined policy premiums are $301,194 with their average being $592.

YES START SHOPPING MY FLOOD INSURANCE

Bandera County, you have 386 policies written at $273,500 with your average policy premium being $708.

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

In Bee County and the City of Beeville, the total premium written is $211,247 for 283 policies.  Your average runs $747.

Bell County, Harker Heights, and Killeen has $539,511 written premium.  The average for your area is $686 with a total of 787 policies.

In Salado, Temple, and Alamo Heights the total polices equal 592.  The total written premium is $428,772.  The average premium in this area is $723.

YES START SHOPPING MY FLOOD INSURANCE

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

San Antonio, Texas, your total polices are 5,380!  The written premium in San Antonio is $3,674,811.  The average policy cost here is $683.

In the city of Alvin, Texas, the average policy cost is $650.  The total polices written are 2,274 totaling $1,478,886.

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

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

These cities – Brazoria, Brookside Village, Freeport, and Village of Jones Creek – have a combined total of 1614 policies.  The total premium is $1,116,760.  The average policy costs $692.

YES START SHOPPING MY FLOOD INSURANCE

Looking at Clute and Danbury, the policy premiums combine to total $357,885.  A total 808 policies are listed in your area, averaging $443 per policy.

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

Manvel!  You have 1,248 policies!  These total premiums are $651,535.  The average policy runs $522.

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

The total premium written in Richwood and Surfside Beach, Texas, is $2,304,003.  The typical policy here runs very high at $2028.  The total policies in these two cities are 1,136.

Sweeny and West Columbia have 571 policies.  The rate for these policies totals at $281,056, while the average fee for this area is $492.

The following cities: Brazos, Bryan, and College Station amount to 1,582 policies.  The typical rate for these cities in Texas is $553.  The premium price here is $874,553.

YES START SHOPPING MY FLOOD INSURANCE

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

When we look at Burnet, Granite Shoals, Horseshoe Bay, and Marble Falls, Texas, we see that the price tag for these policies total $989,663.  The policy total is 1,234 with their average rate running at $796.

Hello Caldwell and San Marcos!  You have 950 policies for a total cost of $582,944.  Your average policy rates a little higher at $613.

Written premiums in Calhoun, Texas 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 policies are in effect in Brownsville, Texas.  This totals up to $1,613,108 with the average rate coming in at $569.

YES START SHOPPING MY FLOOD INSURANCE

The premiums written in Cameron, Texas equal $1,697,451.  Your policies are higher here at 3,275!  The average policy fees in Cameron are $518.

In Harlingen, Texas, the average premium is $469.  There are 2,019 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 runs a little lower, coming in at $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 all have a ton of policies – 8,178!  Your average policy rate is $443, which is a little lower than other areas!  The total price of the policies in your area is $3,622,415.

Anahuac and Beach City, Texas has 510 policies.  The totals of the premiums here are $217,095, while the average rate is $425.

Chambers, Texas typical policy rate is $490.  Premiums here total at $1,435,733 with 2,932 policies in effect in this area.

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

Allen and Collin have an average rate of $448.  There are 474 policies in these two great cities in Texas that total $212,427.

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

YES START SHOPPING MY FLOOD INSURANCE

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

Plano and Richardson, Texas have 1,075 policies.  The average rate in these cities is $499.  The total premiums in effect are $536,155.

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

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

Combining Desoto, Duncanville, and Farmers Branch, Texas together totals 657 policies in effect.  Their premiums total $714,973 while the average rate is pretty high at $1088.

Hello Grapevine, Texas!  The main drag through your town has the most adorable stores.  At Christmas, the decorations here are phenomenal.  Grapevine and Grand Prairie have a total of 528 policies.  These total in at $323,561 while 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 policies in effect.  The average rate here runs $811.  The total amount of written premium comes in at $1,622,667.

YES START SHOPPING MY FLOOD INSURANCE

Fort Worth Water Gardens are a site to behold.  The average policy cost is $883.  The total policies written are 2,490 rating in at $2,199,603.

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

Hello El Paso, Texas!  Glad to see you here!  Your 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 while the average is a little more average here at $581.

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

The total premiums written in First Colony are $525,438 for 1,427 policies.  This allows the average rate in First Colony to calculate out to $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, Texas is $400.

Fulshear, Texasaverage policy rate is $374.  The policies in effect are 1,201 for a total premium of $449,788.

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

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

YES START SHOPPING MY FLOOD INSURANCE

When we look at Richmond and Rosenberg, Texas, they have 1,398 policies in effect.  Their premiums total $668,517 which causes their average rate to be $478.

Hello Simonton and Stafford, Texas!  Greetings to you all!  Looking at your 858 policies, we see a total premium of $522,740.  The average for your cities is $609.

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

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

Hello Clear Lakes Shores!  Here in Clear Lake Shores, Texas, your 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, Texas is $563.

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

YES START SHOPPING MY FLOOD INSURANCE

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 $1260!  Galveston City has a higher average rate of $1558!  The city of Galveston is so fun with the beach and the  Galveston Island Historic Pleasure Pier!  Their policy premiums total up to a whopping $25,100,881 for 16,116 policies in effect.

Jumping from those larger premiums at Galveston to Hitchcock, Texas, where premiums average $686.  The policy totals in Hitchcock are $627,091 for 914 policies.

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

Hello Kemah, Texas!  Your typical rate is a little higher than the average rates at $851.  The total premium written for your area is $479,805.  This includes 564 policies in effect.

The premium totals in La Marque, Texas totals in at $934,739, which includes 1,913 policies.  This causes the average rate to be $489, which is a little lower than other cities in your county.

League City, Texas 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, Texas!  There are 1,370 policies in effect in Santa Fe, Texas for a total of $548,129 in premiums written.

Hello Texas City, Texas!  You all’s policy average runs in at $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 coming in 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, Texas.  This totals up to $1,869,090 in premiums while this averages out to $1,125 per policy.

YES START SHOPPING MY FLOOD INSURANCE

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

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

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

Hello Bellaire, Texas!  Bellaire has a higher average rate of $882.  The policies in Bellaire total in at 5,101 with $4,500,850 in premiums.

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

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

If you want to know the average rate for El Lago or Galena Park, Texas, look no further!  $572 is their average rate.  They have 1,161 policies for a total of $663,612 in premiums.

YES START SHOPPING MY FLOOD INSURANCE

Harris, Texas!  Wow, you have a lot of policies in effect.  You have the most right behind Houston with 121,729 policies!  Your premiums total up to $54,014,554 which makes the average compute in at $444.

Hello Humble, Texas!  You all have $604,760 in premiums in effect from 927 policies.  The average policy rate for Humble, Texas is $652.

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

Jersey Village, Texas has an average policy rate of $858.  This includes 1,382 policies.  The premiums for Jersey Village total up to $1,185,750.

$473 is the average rate for Katy, Texas.  There are 2,149 policies written in Katy with their premiums totaling up to be $1,017,481.

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

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

Hello Pasadena!  You all clock in with 10,478 policies.  The total premiums for Pasadena, Texas are $5,015,720 which causes your average to come in at $479.

The city of Seabrooke, Texas has 3,396 policies in effect.  The average rate is $918 for Seabrooke with a total of $3,117,754 in premiums.

YES START SHOPPING MY FLOOD INSURANCE

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

Hello Taylor Lake Village!  Glad to see you here!  Your average premium is $554.  The total premiums written in your area are $604,650 which includes 1,091 policies in effect.

West Keegans Bayou and Tomball, Texas, you have 905 policies written in your area that total $400,417 in premiums.  This allows your average rate to be $442.

In the city of Webster, Texas, 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, Texas.  This includes $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, Texas!  Nice to see you here!  Your average rate is $647.  The premiums in Austin total up to $4,609,074 for 7,127 policies.

Hays, Texas has an average rate of $535.  The premiums in Hays are $555,281.  This includes 1,039 policies.  Thanks Hays for stopping by!

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

Hello Hidalgo, Texas!  Your average flood rate is $441.  The numbers included in this calculation total 5,046 policies with $2,227,469 in premiums.

2,191 policies are in effect in McAllen, Texas.  The average rate in McAllen is $465 which includes $1,019,537 in premiums.

Mission City, Texas’ average premium is close to McAllen, coming at $466.  Their policies total 1,013 with premiums being written at $471,905.

Pharr and Weslaco, Texas have an average policy rate of $465.  Their premiums add up to be $455,111 with 978 policies in effect.

Edna and Jackson, Texas combined have $403,938 in premiums for 645 policies.  This causes their average flood policy to rate in at $626.

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

Hello Groves, Texas!  Nice to see you here.  You are coming in with $1,111,648 in premiums.  Your average rate is $397 for 2,799 policies!

YES START SHOPPING MY FLOOD INSURANCE

Jefferson, Texas!  Jefferson, your average rate is $534.  The total policies in your area include 3,741 with $1,996,974 in premiums.

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

Port Arthur, Texas, you have 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.

Hello Abilene, Texas!  Good to see you here!  Your average rate is $994.  There are 2,468 policies written in Abilene with a total of $2,453,404 in premiums.

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

The average flood rate in Kingsville and Kleberg, Texas, is $563.  The total amount of policies is 662 with premiums adding up to be $372,927.

$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!  This includes $765,550 in written premiums and 778 policies.

The city of Lubbock, Texas has a higher average flood rate, calculating in at $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.

YES START SHOPPING MY FLOOD INSURANCE

Moving over to Matagorda, Texas, their average rate is higher at $1,390.  This flood rate includes 2,037 policies in effect and $2,831,526 in premiums.

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

Hello Conroe, Texas!  The active policies in Conroe is 1,823.  The premiums written in Conroe is $846,046 which causes the average flood rate to come in at $464.

Montgomery, Texas, you all have a lot of active policies – 25,008 to be exact!  The average rate for Montgomery, Texas is $446, which includes $11,161,553 in premiums!

Hello Corpus Christi!  The average flood rate in your area is $535!  The total premiums written are $10,460,310 which includes 19,565 active policies.

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

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

1,994 policies are in effect in Bridge City, Texas.  This includes $1,156,004 in written premiums.  The average rate for Bridge City is $580.

Orange County, Texas has 6,749 active policies!  Their premiums add up to be $3,398,173 which allows their average policy to rate in at $504.

Orange City, Texas has fewer policies than Orange County.  The total active polices here is 2,379.  The premiums come in at $1,590,908 making their average rate fall in at $669.

In the city of Vidor, Texas, the rate runs at an average of $555.  The premiums written here total up to $645,136.  The total policies in effect are 1,162.

Arlington!  Oh Arlington – home of AT&T Stadium and Globe Life Park!  Glad to have you here!  Arlington, Texas has 1,539 active policies.  The average policies rates in at $633.  The total premiums written in Arlington add up to be $973,990.

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

Hello Laredo, Texas!  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 which includes 921 policies.

Wharton County, Texas – your average premium is a little lower, coming in at $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, Texas.  The total policies written here are 968 with $781,665 in premiums.

Georgetown, Texas has 557 active policies.  The policy premiums total up to $270,749 for Georgetown.  This allows their average flood rate to be $486.

In Williamson, Texas, their average rate hits at $591.  This includes 1,178 active policies.  The premium total in Williamson, Texas is $695,816.

YES START SHOPPING MY FLOOD INSURANCE

For decades, the NFIP has over-charged 50 percent of its policyholders and under-charged the other 50 percent,

The NFIP has racked up $42 billion in taxpayer-funded losses, equating to more than half of every claim paid by the NFIP since 1978.

About 30 percent of NFIP claims payments go to the same 3 percent of insured “repetitive loss” structures year after year. When you do the math, this means that the other 97 percent of their flood-exposed constituents could have paid in less and still netted larger claims payouts if they had better access to private flood insurance. In fact, a recent white paper by Milliman found that 90 percent of homes in Sandy-struck New York and New Jersey would see reduced flood insurance rates through private insurers.

Flood Nerd Lemon
Flood Nerd Private Flood Insurance
ROBERT MURPHY
Robert Murphy is the Founder of Better Flood Insurance a nationwide Flood Insurance Agency. He is a flood nerd, is passionate about education around the need for Flood Insurance.
We shop all options to make sure we are getting our clients the best coverage at the best price.

YES START SHOPPING MY FLOOD INSURANCE

References
the following documents contain additional hydrologic data, flood photos, historic flood descriptions, floodplain delineations and other pertinent information, and should be considered supplemental to this flood warning plan:
https://bsa.nfipstat.fema.gov/reports/1011.htm#COT
https://www.fema.gov/average-claim-payments-date-loss
https://www.fema.gov/national-flood-insurance-program
https://www.fema.gov/media-library-data/1486576697135-ac6348fb2a3d98ceba33cf3f38422dbc/Claim_Loss_Counts_Sept2016.pdf
https://www.fema.gov/media-library-data/1458666638945-d752cb148ef1348b4b1c22acec66a0bd/Claim_loss_count2015.pdf
https://www.fema.gov/media-library-data/1393877884619-3091f75bf9d46a26f5beb7d423c34529/Total_Claim_Count_fy2013.pdf