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Critical Houston Information

Houston Flood Insurance: Complete Protection Guide

Don't wait for the next hurricane. Protect your Houston home with proper flood insurance coverage.

IMPORTANT: 30-Day Waiting Period for New Flood Policies

Flood insurance has a 30-day waiting period before coverage begins. Don't wait until a storm is approaching - get protected now!

Why Every Houston Home Needs Flood Insurance

Houston's unique geography and weather patterns create significant flood risks that standard homeowners insurance doesn't cover.

Hurricane Harvey Lessons

  • • Over 300,000 structures flooded
  • • $125 billion in damages
  • • Many victims had no flood coverage
  • • FEMA aid covered only basic needs
  • • Full recovery required insurance

Houston Geography

  • • Flat terrain with poor drainage
  • • Multiple bayou systems
  • • Gulf Coast proximity
  • • Urban development increases runoff
  • • Clay soil prevents absorption

Common Misconceptions

  • • "I'm not in a flood zone" - 25% of claims are outside high-risk areas
  • • "Homeowners insurance covers floods" - It doesn't
  • • "FEMA will pay for everything" - Limited disaster aid
  • • "I can buy it when storms approach" - 30-day waiting period

What Flood Insurance Covers

Understanding your coverage options helps you choose the right protection level

Building Coverage

Protects the structure of your home

Foundation, walls, floors, and roof
Electrical, plumbing, and HVAC systems
Built-in appliances and cabinets
Debris removal costs

Maximum Coverage: $250,000

Contents Coverage

Protects your personal belongings

Furniture, clothing, and electronics
Portable appliances and equipment
Artwork and collectibles (limited)
Additional living expenses

Maximum Coverage: $100,000

Houston-Specific Flood Risks

Understanding local flood patterns helps you make informed coverage decisions

Flood Insurance Costs in Houston

Affordable protection for your most valuable asset

Basic Coverage

Essential protection for most homes

$400-600
per year average
  • • $100,000 building coverage
  • • $40,000 contents coverage
  • • Standard deductible options
  • • NFIP program rates

Recommended Coverage

Optimal protection for Houston homes

$800-1,200
per year average
  • • $250,000 building coverage
  • • $100,000 contents coverage
  • • Lower deductible options
  • • Replacement cost coverage

Premium Coverage

Maximum protection available

$1,500+
per year average
  • • Maximum building coverage
  • • Maximum contents coverage
  • • Lowest deductible options
  • • Additional living expenses

Factors Affecting Your Rate

  • • Flood zone designation
  • • Home's elevation
  • • Age of construction
  • • Coverage amounts selected
  • • Deductible chosen
  • • Previous claims history

Get Your Houston Flood Insurance Today

Don't wait for the next storm. Protect your home and family now.

Quick Quote Process

1

Call for Consultation

Discuss your specific needs and property details

2

Property Assessment

We'll evaluate your flood risk and coverage needs

3

Custom Quote

Receive personalized coverage options and pricing

4

Policy Activation

Start your coverage (remember the 30-day waiting period)

Why Choose Baxter Insurance Agency?

  • 36 years serving Houston families
  • Local expertise in Houston flood risks
  • Independent agency - multiple options
  • Personal service and claims support
  • Same-day quotes and fast response

Don't Wait Until It's Too Late

Flood insurance has a 30-day waiting period. Protect your Houston home today.

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